Our services
Our core service combines financial planning, investment management and tax mitigation into a single seamless offering which we call “successful lifetime investment”.
Financial
Planning
We’ll begin by getting to know you, your circumstances and your aspirations. Once we know your goals, we can start to build a plan to achieve them.
A thorough financial plan will give you clarity around your wealth, allowing you to make financial decisions with confidence.
Investment
Management
Once you have a plan, you can set out to create a portfolio to achieve it. That’s why our investment management is offered as part of our full service rather than a standalone offering.
We will take a variety of factors into account including your tolerance for risk and capacity for loss. Our approach is to recommend the portfolio that meets your objectives with the lowest level of risk.
Tax
Mitigation
A key factor in your financial plan is tax. Tax legislation can be complicated, but tax planning doesn’t have to be. Our friendly experts will guide you through the process, ensuring you understand and make the most of your allowances.
We assess suitability on an ongoing basis as part of our regular review process, proactively adapting your plan to ensure it is the best fit for you.
More information about our services
Inheritance tax (IHT) planning
Make sure that the wealth you have earned goes to the people and causes you care about at the right time. Find out how our standalone IHT planning-only service can benefit you and your loved ones.
Learn more
B.O.S.S.
Running a business can leave little time for anything else, meaning your financial plan can often be neglected. That’s where our business owner strategy service (BOSS) can help.
Learn more
Defined benefit pension transfers
Transferring out of your defined benefit scheme is irreversible. Get it right and you can enjoy the rewards, flexibility and freedom. Get it wrong, however, and there is a real risk that you could run out of money.
Learn more
The process
We aim to be as transparent as possible about our service and fees. Below, you will find our onboarding process, ongoing service and fees are outlined in concise, jargon-free language.
- Stage
1 - Stage
2 - Stage
3
Getting to know you
The planning phase includes:
- All meetings with your planner and implementation manager
- Fact finding process
- Establishing objectives and requirements
- Assessing your views on risk
- Introduction to cashflow modelling
- Presented with our retail client agreement
- Service
agreement
Ongoing fees start
Payable on signing our letter of engagement that will be provided with your service agreement, outlining the specific fees applicable to you.Important to know
Stages one to three are provided with no obligation to proceed to the next phase. You can exit the process at any time at no cost.
- Analysis
- Review
- Proposals
- Investment
report
Implementation fee payable at this stage
Due on acceptance of our Investment report- Implementing
the proposals
The implementation phase could include
- Tax efficiency review and product flexibility assessment
- Investment strategy and asset allocation review
- Provision of advice and recommendations
- Investment and planning reports
- Carrying out fund switches to existing investments
- Surrendering existing products
- Arranging new products
- Managing out of market risk for transfers
- Completion of documentation and all administration
- First planning
meeting
Important to know
Our Head of Client Care will contact you to check progress and ensure you are satisfied with the service
- First planning
meeting
Ongoing advice service includes
- Access to our online client portal and searchable client guide
- Annual reviews and on demand valuations
- Unlimited access to our dedicated client manager team (telephone, portal messaging and livechat)
- One meeting a year with additional meetings as required, usually two to four meetings are needed in the first year
- Financial and tax planning strategies as required
-
All administration
- Unlimited access to our dedicated client manager team
- Providing information to help with tax returns as needed
- Support with systems and correspondence
- Reports as required
- Completion of agreed actions and bespoke requests
- Quarterly investment brefings and other special events
- Eqinox magazine twice yearly
- Regular newsletter
Excludes
- Ongoing investment management
For full details of our fees, take a look at our retail client agreement
- First annual
review
Your annual review and meeting includes
-
Updates of:
- Circumstances
- Objectives
- Risk
-
Reviews of:
- Financial plan and strategy
- Performance
- Cashflow forcast
- Assessment of continuing suitability
- Stage
1 - Stage
2 - Stage
3 - All meetings with your planner and implementation manager
- Fact finding process
- Establishing objectives and requirements
- Assessing your views on risk
- Introduction to cashflow modelling
- Presented with our retail client agreement
- Service
agreement
The planning phase includes:
Ongoing fees start
Payable on signing our letter of engagement that will be provided with your service agreement, outlining the specific fees applicable to you.
Stages one to three are provided with no obligation to proceed to the next phase. You can exit the process at any time at no cost.
- Analysis
- Review
- Proposals
- Investment
report - Implementing
the proposals - Tax efficiency review and product flexibility assessment
- Investment strategy and asset allocation review
- Provision of advice and recommendations
- Investment and planning reports
- Carrying out fund switches to existing investments
- Surrendering existing products
- Arranging new products
- Managing out of market risk for transfers
- Completion of documentation and all administration
- First planning
meeting
Implementation fee payable at this stage
Due on acceptance of our Investment report
Important to know
Our Head of Client Care will contact you to check progress and ensure you are satisfied with the service
- First planning
meeting - First annual
review - Access to our online client portal and searchable client guide
- Annual reviews and on demand valuations
- Unlimited access to our dedicated client manager team (telephone, portal messaging and livechat)
- One meeting a year with additional meetings as required, usually two to four meetings are needed in the first year
- Financial and tax planning strategies as required
-
All administration
- Unlimited access to our dedicated client manager team
- Providing information to help with tax returns as needed
- Support with systems and correspondence
- Reports as required
- Completion of agreed actions and bespoke requests
- Quarterly investment brefings and other special events
- Eqinox magazine twice yearly
- Regular newsletter
- Ongoing investment management
-
Updates of:
- Circumstances
- Objectives
- Risk
-
Reviews of:
- Financial plan and strategy
- Performance
- Cashflow forcast
- Assessment of continuing suitability
- Quarterly
reviews
Excludes
Fee guarantee & client charter
We have confidence in the quality of our advice and the value that we add. At each annual review meeting, we will ask you to confirm we have delivered what we promised and if we may retain our fees. If you are not satisfied with what we have done, we will offer you a full advice fee refund.
Find out more
Equinox magazine
Investment commentary and analysis of fund performance
Download Equinox
- /
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