Company Brochure
About FA Wealth Management 3 Personal Financial Planning 4 Corporate Financial Planning 6 Our Client Journey 8 Our Ongoing Service 10 Our Client Proposition 11 Our Client Charter 12 Our Chosen Charity 13 Frequently Asked Questions 14 1992 2004 2006The FA brand was We moved to our Head We set up FA Wealth founded by our Management to offerCEO: James Bryce Office in Cricklade, aditional choice to Wiltshire clients
ABOUT FA WEALTH MANAGEMENTAt the heart of our success remains a core belief inpreserving high standards of client care and providingsound financial advice that fulfils your needs andaspirations.When faced with complex decisions about your future financial security, choosingthe right adviser and getting the right guidance is essential. We offer peace of mindto individuals, families and businesses on a face to face basis. Our advisers areprofessionally qualified and meet the exacting standards required by our regulator.Our clients and advisers are supported by our dedicated client service team to ensurethe client experience is seamless throughout the journey and beyond.Our advisers follow a step-by-step process, illustrated in our client journey (page 8),to establish clear objectives, allowing you to make informed decisions based on theadvice you receive from us. We will then support you with an ongoing personalservice that will allow you to adapt your planning to meet your ever changingfinancial circumstances and take advantage of opportunities as they arise. 2012 2013 2014We started supporting We celebrated 21 years We launched our free of providing our clients client app which is now our chosen charity: available for Android and Winston’s Wish and with honest and launched our new professional financial iOS devices client proposition advice
PERSONAL FINANCIAL PLANNINGǩ Protection How can we help you?ǩ Retirement Planningǩ Savings We believe all individuals in the UK need to receiveǩ Investments sound financial advice throughout their life. In additionǩ Insurances to offering peace of mind and security, our adviceǩ Mortgage Advice provides a platform for clients to achieve their own personal goals and aspirations. We can help guide you through the financial maze of arranging a mortgage, protecting your family, planning for your retirement or planning for your future. The advice we provide will be easy to understand, tailored to you personally and will reflect your needs and priorities that are agreed at our discovery meeting.The stages of your financial life we can help Fully retire Smaller house Phased retirement Lower cash needs Marriage/children Inheritance Long term care House purchase Support children Bequests House deposit Promotion Lifestyle priorities Higher salary Student loans Bigger house AGE 20 25 30 35 40 45 50 55 60 65 70 75 80 85 904
ACHIEVE YOUR GOALS Protect Your Family & Your Wealth Protect my family in the event of death Protect myself and my family in the event of loss of income or disability Ensure my current protection is the best value and provides sufficient cover Enhance Property Wealth Find the right mortgage for a future home or a buy-to-let property Find a better deal on an existing mortgage Create, Manage & Preserve Your Wealth Plan effectively and efficiently for retirement Review the performance of any existing provision Calculate my attitude to risk and capacity for loss Save for a goal Consolidate wealth onto an accessible, flexible and cost effective platform Preserve the value of my estate for the benefit of my familyThe value of investments and pensions and the income they produce can fall as wellas rise. You may get back less than you invested.Some buy to let mortgages are not regulated by the Financial Conduct Authority.Your home may be repossessed if you do not keep up with repayments on yourmortgage. For mortgage advice, a fee up to 1% of the mortgage may be payable. On aloan of £100,000 this would equate to a maximum £1,000. 5
CORPORATE FINANCIAL PLANNING How can we help your business? To most businesses, whether small or large, having a financial adviser has become a must, just like having an accountant or a legal adviser. ǩ Business Protection The world is forever changing, with the implementation of ǩ Director’s Insurance workplace pensions through auto enrolment which affects ǩ Key Person Insurance every employer in the UK as well as the ongoing need for ǩ Workplace Pensions protecting shareholders, key personnel and the business for ǩ Auto Enrolment loss of income or perhaps a liability claim, advice and help ǩ Employee Benefits is at hand from our team of qualified advisers. The advice we provide, can also help the business potentially reduce its tax liability. Who would be most affected by losing a key employee? Many businesses often cite people as their most valuable asset although they rarely measure their financial value. Business protection helps safeguard the business to ensure it can continue to operate in the event of the death or serious illness of a shareholder, partner or key employee. Sole Traders New Businesses 63% 46% would cease to would cease to trade immediately trade immediately Source: Legal & General W13220 03/156
ACHIEVE YOUR GOALS Your Business Checklist Your business can continue to trade if you or a key employee dies or becomes terminally or critically ill. You could repay outstanding financial commitments, such as director loan accounts or bank overdrafts, if the worst should happen to a key person. You understand what would happen to you or a business partner’s shares in the event of death. You can attract and retain the right people in your business by demonstrating that you provide a competitive employee benefits package. You have an auto enrolment scheme set up correctly in line with legislation and as a result avoid paying fines. You are insured against losses as a result of any injury or death of a third party or damage to a third party property. You have the right level of cover and the right policy type for your business assets including your business premises. Your business has the correct type and level of liability insurance to cover for potential claims.The value of investments and pensions and the income they produce can fall as wellas rise. You may get back less than you invested. 7
CLIENT JOURNEY Our client journey is designed to help you understand the six key stages you will experience from one of our professional and qualified advisers. Since 1992, this journey has formed the basis of our client relationships. At the end of the journey we will have assisted you in: ǩ ǩƣ ǩǁ 1. INITIAL 2. DISCOVERY/REVIEW 3. RESEARCH & INTRODUCTION MEETING ANALYSISǩEstablish how we can help ǩProvide you with our ǩReview discovery meeting ǩcompany brochure andǩArrange a free mutually ǩexplain how we work ǩCollate existing provisionsǩconvenient appointmentǩwith no obligation ǩComplete our discovery ǩEstablish availability of state ǩdocument to understand ǩbenefitsǩExplain FA’s history, our ǩyour current circumstancesǩkey values and our services ǩand your goals ǩUndertake market research, ǩanalysis and cost ǩDiscuss any potential costs ǩcomparisons ǩand provide you with written ǩReview tax implications ǩconfirmation of this ǩDesign appropriate solutions ǩin order of priority ǩAgree actions and priorities ǩPrepare advice and ǩAgree date of advice and ǩrecommendations ǩrecommendations meeting8
Office: Email: Website:01793 750101 [email protected] fawealth.com4.ADVICE & 5. ADVICE 6.AGREED ONGOING RECOMMENDATIONS IMPLEMENTATION SERVICE LEVELSǩFully review discovery ǩWelcome call from client ǩReview and agree with yourǩmeeting, agreed priorities ǩservice team (CST) ǩadviser the levels availableǩand actions ǩvia our client proposition ǩImplementation of advice ǩ(page 11)ǩPresent recommendations ǩsolution by CSTǩincluding specific investment ǩAgree with your adviser yourǩproducts ǩLiaise with lenders, product ǩnext review meeting date ǩprovider(s) and yourselfǩAgree an affordable solution ǩregarding prospective ǩRequest feedback via ourǩin priority order ǩpurchase of retail ǩclient survey ǩinvestment productsǩConfirm initial remuneration ǩEnsure our client app is ǩOngoing contact with CST ǩdownloaded so you can keepǩDiscuss what happens next ǩand adviser ǩup to date with news in the ǩfinancial sector and keep inǩConfirm FA charity donation ǩWritten confirmation of ǩtouch with your adviser ǩrecommendationsǩIntroduction to your familyǩand friends ǩInspect and issue of plan ǩdocumentation 9
OUR ONGOING SERVICESo much can alter in our lives in such a short space oftime. It is our role to ensure your planning adapts to yourcircumstances. We believe all clients benefit from anongoing relationship.Re-introduce our client Discuss any previous journey, understand recommendations and your current provide valuations of circumstances and any investment based update your personal information. products. Implement any Re-align any of your changes, confirm the investment basedmost suitable service products against yourlevel for you and agree current attitude to risk next review meeting and capacity for loss. date. Review your existing mortgage, insurances and protection policies. 10
OUR CLIENT PROPOSITIONAdviser Contact Wealth Management Wealth Advice StandardAdviser discovery meeting Annually Two-yearly Ad-hocAlignment of risk profile Annually Two-yearly Two-yearly via telephonePortfolio update and valuation Annually Two-yearly Two-yearly via telephoneAnnual mortgage rate review ((Second opinion service (( (Out of business hours contact () ) )Head Office Contact )Review call 6 monthly Annually )Client service manager ( ) (Client service administrator ) ( (Welcome call (( (Information Services (( Two-yearlyQuarterly newsletter via telephoneRetirement analysis Annually Two-yearly )Budget summary ( ( )Personalised portfolio report ( ) (Additional Services ( ( )Change of circumstances notification ( ( )Claims management support ( ) )Invites to Wealth Management events ( )Visit to fund manager head office Less than 1% on-going feeQualification Status 1% on-going fee 1% on-going fee and £25 per month retainer 11
OUR CLIENT CHARTER ‘To improve the financial standing of all those who we interact with, whilst acting honestly, transparently and with integrity to achieve this goal.’ ǩ We demonstrate our honesty by continually providing suitable advice that is ǩrelevant to your needs. If something is not in your best interest we will advise you of ǩthis. ǩ We demonstrate our transparency by clearly explaining prior to the advice ǩimplementation stage our recommendations and any costs and fees that are to be ǩincurred. ǩ We demonstrate our integrity by treating you as we would like to be treated ǩourselves . We will never take advantage of you and will always ask for your ǩfeedback to improve our service and the relationship with you. ǩ The fair treatment of our clients is central to everything we do. Our advisers and ǩstaff will be friendly, professional and courteous to you at all times which will ǩensure we can build an ongoing relationship based on trust. Honesty Trust Integrity Transparency12
OUR CHOSEN CHARITYEvery 22 minutes a child in Britain is bereaved of a parent.This equates to over 24,000 newly bereaved children each and every year.Winston’s Wish, the leading childhood bereavement charity in the UK, believesbereaved children need support to make sense of death and rebuild their lives.We recognise the importance of lending our strength and influence to good causes.Sadly, a number of our clients have personal knowledge and experience of ourchosen charity. We believe that many families don’t take the necessary protectioncover or make relevant provisions for such bereavement; therefore support from acharity such as Winston’s Wish can make all the difference.Our regular donations are funded and supported by our staff and advisers.We currently have raised a over £11,000 for this worthwhilecause and our corporate goal is to raise £25,000 intotal through long term funding and activeemployee involvement. Our programmeshows this can be motivating for staff aswell as building meaningful relationshipswithin the community.For more information about Winston’s Wishplease visit www.winstonswish.org.uk orcall 01242 515157. The helpline number forfamilies and professionals is 08452 03 04 05. [email protected]Helpline 08452 03 04 05 Winston’s Wish is a Registered Charity (England and Wales) 1061359, (Scotland) SC041140 Company No 3329289 13
FREQUENTLY ASKED QUESTIONS Are your advisers qualified to provide regulated advice? Yes, our team of advisers are qualified and meet the exacting standards required by our regulator. We are committed to continuous improvement through regular training and development programmes to provide our clients with the best and most appropriate advice available. How will I receive the advice/service? We can provide face to face advice at a mutually convenient time and place. The advice and recommendations will be presented to you and you will receive written confirmation of the advice. Throughout your journey you will be supported and updated not only by your adviser, but also by our client service team. What is the role of your client service team? Our client service team is based in our Head Office and their role is to ensure any processes are completed in a timely fashion. The team will keep you updated and liaise with you and your adviser to ensure all documentation is completed and accurate. You will receive a welcome call from your dedicated client service team member. How can I learn more about FA Wealth Management? You can learn more about us by: 9:41 AM 100% 100% ǩ Visiting our website: fawealth.com 9:41 AM ǩ Downloading our free client app which is available on ǩiOS and Android. To get our free app simply visit ǩfawealth.com/app ǩ Visiting our Head Office and meeting the team, ǩour address is: FA Wealth Management Ltd, 95 High ǩStreet, Cricklade, Wiltshire, SN6 6DF.14
How much will the advice cost?Each area of advice may be charged differently. Our fees are explained during thediscovery meeting and personalised prior to any advice or recommendation beingimplemented. Confirmation of our fees are listed in a separate document that youradviser will provide you with - this document is also available on our website:fawealth.com/our-fees.This document is designed to clearly provide you with the information about theservices we provide and the costs involved. We aim to do this by helping youunderstand: ǩ What areas of advice we can help you with. ǩ How we are remunerated and the costs involved with providing you with advice. ǩ The marketplace we will visit in order to deliver our advice, research and ǩrecommendations. ǩ The security, protection and peace of mind you can expect to benefit from. ǩ Who regulates us.How can I stay in touch with FA Wealth Management?You can contact the team by calling us, sending us an email or completing our onlineenquiry form. Office: Email: Website:01793 750101 [email protected] fawealth.com 15
MORTGAGES PENSIONS t SAVINGS INSURANCES CORPORATE ADVICE INVESTMENTS PROTECTION95 High Street Cricklade SN6 6DF t. 01793 750101 f. 01793 751154 e. [email protected] w. fawealth.comFA Wealth Management Limited - Registered Office: 95 High Street Cricklade SN6 6DF. Registered in England & Wales No. 07702722.FA Wealth Management Limited is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage PlanningLimited, which is authorised and regulated by the Financial Conduct Authority. © Copyright FA Wealth Management Limited.
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