Silver Full Website Access Service

PLATINUM SERVICE - Tailored Ongoing QUARTERLY Financial Advice Reviews

After any initial advice/review has been completed, an ongoing advice service may be suitable.  Platinum is ideal for those who require a tailored approach to their independent financial advice with quarterly reviews.

• Download Money MOT Brochure

What is included in the Platinum Review Service?

• Records - We maintain a full and complete financial services file throughout the year
• Deal with Companies - We deal with any queries from insurance, investment or pension companies throughout the year
• Deal with Authorities - We deal with tax authorities when and where required throughout the year
• Monitor Investments - We monitor changes in investment markets throughout the year and notify you if we believe action is needed
• Monitor Law and Tax - We monitor changes in law and taxation throughout the year and notify you if we believe action is needed
• Review - We review your investments made on our advice every 3 months
• Advice - We give ongoing advice and make changes to your portfolio where needed at intervals to suit you
• Telephone - We offer you unlimited telephone contact - you can telephone us at any time with no extra cost without worrying about huge additional charges
• Report - We give you a written report on your portfolio and the markets explaining all those statements in plain English, removing all the jargon so that you understand what you have at intervals to suit you 
• Valuation - We give you a full written report including valuation of transactions made on our advice and an overview of the performance and investment returns at intervals to suit you
• Meetings - We have meetings with you face to face or a remote consultation to discuss ongoing changes at intervals to suit you
• Full website access to the subscription/client/member only pages at no extra charge
• Newsletters - We issue our informative, regular newsletters both by email and by post at no extra cost
• Mid term fund switch advice on 'Traffic Light' Investment Alerts included

Who should consider Platinum Service?

• Any person, family or organisation who has total pension funds and investments, excluding their main residential home, worth more than £100,000 (it can be lower if you wish)
• Any person who has a total income in excess of £50,000 should consider Platinum service
• Any person, family or organisation who has more complex financial planning needs such as complex taxation matters, owns a number of properties, has trusts or has International needs, should consider Platinum service.

Platinum ‘Money MOT’ Service Fees:  

Fees are based upon the number of policies/plans/funds that we review.  We believe you should control and have the choice of how all advice including any future money ‘MOT’ advice service be delivered to you and at what cost.  As well as selecting whether you prefer Bronze, Silver, Gold or Platinum service we also give you additional pricing options to get the best value service for your money.  There are four pricing options, allowing you to save up to 25%.

PAY MONTHLY? 

• By default, paid up front is the cheapest fee but equally paying monthly is exactly the same fee if you prefer to select this option and spread the cost.

Pricing / Purchase Options

GOLD SERVICE - Tailored Ongoing ANNUAL Financial Advice Reviews

After any initial advice/review has been completed, an ongoing advice service may be suitable.  Gold is ideal for those who require a tailored approach to their independent financial advice with annual reviews.

Gold Review Service is our most popular service of all.  Gold Service means that we will review the investments made on our advice at intervals of twelve months on a date agreed with you.

• Our Money MOT Brochure

What Do I Get For My Money? Read/See

• Sample Gold Service Review Report

What is included?

• Records - We maintain a full and complete financial services file throughout the year
• Deal with Companies - We deal with any queries from insurance, investment or pension companies throughout the year
• Deal with Authorities - We deal with tax authorities when and where required throughout the year
• Monitor Investments - We monitor changes in investment markets throughout the year and notify you if we believe action is needed
• Monitor Law and Tax - We monitor changes in law and taxation throughout the year and notify you if we believe action is needed
• Review - We review your investments made on our advice once a year
• Advice - We give ongoing advice and make changes to your portfolio where needed once a year
• Telephone - We offer you unlimited telephone contact - you can telephone us at any time with no extra cost without worrying about huge additional charges
• Report - We give you a written report once a year on your portfolio and the markets explaining all those statements in plain English, removing all the jargon so that you understand what you have
• Valuation - We give you a full written report including valuation of transactions made on our advice once a year and an overview of the performance and investment returns
• Meetings - We have a meeting with you face to face or a remote consultation to discuss ongoing changes once a year.  Additional meetings or full remote consultations with an adviser are chargeable
• Full website access to the subscription/client/member only pages of at no extra charge
• Newsletters - We issue our informative, regular newsletters both by email and by post at no extra cost

Who should consider Gold Service?

• Every person, family or organisation should have a review of their financial position at least once a year.

Gold ‘Money MOT’ Service Fees:  

Our fees are based upon the number of policies/plans/funds that we review.  We believe you should control and have the choice of how all advice including any future money ‘MOT’ advice service be delivered to you and at what cost.  As well as selecting whether you prefer Bronze, Silver, Gold or Platinum service we also give you additional pricing options to get the best value service for your money.  There are four pricing options, allowing you to save up to 25%.

PAY MONTHLY? 

• By default, paid up front is the cheapest fee but equally paying monthly is exactly the same fee if you prefer to select this option and spread the cost.

Pricing / Purchase Options

MID-TERM 'ADDITIONAL' FUNDS REVIEW

This service is for existing Gold and Platinum Money MOT Service clients only that want an additional 'mid-term' review before their next main quarterly or yearly review is due.

• Download Money MOT Brochure

Economies, politics and markets can change significantly in days.  We only have to look at Brexit or in 2020, the coronavirus to understand how the World and markets change very quickly.  This affect market exposure for our investments in a matter of days and weeks with extreme volatility.

What Should I Do?  If you wish to switch or have a mid-term review of funds invested in:

• For Gold and Platinum clients who do not want mid-term advice, we will action your specific switch instructions at no charge - simply email us with your specific instructions and we will action them.
• For Platinum clients it may make sense to wait until your next quarterly review and we will discuss and then recommend/action any fund switches.  This may not be feasible for a Gold client if you have a few months before your next yearly review is due.
• For Gold and Platinum clients who do not want to wait until the next review and still want mid-term advice on which funds to switch to/from, there is a charge per policy (in a similar way to Gold and Platinum service fees).

CHECK YOUR LAST REVIEW REPORT:  To see what funds we recommended to you so that you know what you are in or what you decided to postpone investing in.

Still want Mid-term advice?

• Platinum clients: no charge if we bring forward your next quarterly review - contact us. 
• Platinum clients: who want a mid-term review in addition to all four quarterly reviews  - there is a charge, get a quote below.
• Gold clients: who want a mid-term review in addition to the yearly review  - there is a charge, get a quote below.
• Silver and Bronze clients: do not use this service - you will need a full initial review.

What is included?

• Records - We maintain a full and complete financial services file
• Review Investment Funds - We monitor changes in investment markets and notify you if we believe action is needed
• Review Law and Tax - We monitor changes in law and taxation and notify you if we believe action is needed
• Advice - We give advice and suggest changes to your portfolio where needed
• Report - We give you a short, written report with valuations and portfolio recommendations
• Meetings - We will have a meeting with you face to face or a remote consultation to discuss ongoing changes (depending upon fee option selected)
• Deal with Companies - We deal with any queries from insurance, investment or pension companies regarding any fund switches/changes

Mid-Term ‘Money MOT’ Service Fees:  

Our fees are based upon the number of policies/plans/funds that we review.  We believe you should control and have the choice of how all advice including any future money ‘MOT’ advice service be delivered to you and at what cost.  There are four pricing options, allowing you to save up to 25%.

Pricing / Purchase Options

'AD HOC' PRODUCT ADMINISTRATION WHEN NOT USING MONEY MOT SERVICES

This service is for clients that are NOT using our ongoing, regular Gold or Platinum Money MOT Services and just want ad-hoc administration works on regulated pensions and investment schemes.

• Download Money MOT Brochure

This service is for clients that do not want a regular servicing arrangement but may need ad-hoc and irregular administration for their regulated pensions and investments.  For example, needing to make withdrawals or the movement of money or funds either internally or externally.

This is a NON-ADVISED Service

• There is no regulated financial advice required or given.
• There is no review of the suitability, affordability, tax or legal implications of your instructions.
• There will be no regulated advisory recommendations included.
• This service is purely administration based upon your explicit instructions.

What is included?

• Processing your specific fund switch instructions.
• Movement of money between accounts inside the product.
• Making pension bank/fixed rate account applications.
• Setting up, changing and administering pension drawdown or investment withdrawals.
• Bed & ISA transfers for General Investment Accounts (GIA) and Individual Savings Accounts (ISAs).
• Meetings - We will have a meeting with you face to face or a remote consultation to discuss ongoing changes (depending upon fee option selected).
• Deal with Companies - We deal with any queries from insurance, investment or pension companies regarding any fund switches/changes.
• This service covers up to 4 sets of administration instructions/transactions per policy/plan per year.  E.g., You may instruct us to make 2 sets of fund switches during the year and 2 sets of fund withdrawals or ad-hoc pension income or lump sum payments during the year on the same policy.

Ad-Hoc Administration Service Fees:  

Our fees are based upon the number of policies/plans/funds that you want us to administer.  We believe you should control and have the choice of how all policy administration services be delivered to you and at what cost.  There are four pricing options, allowing you to save up to 25%.

Pricing / Purchase Options