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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
This 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
Planning fee payable at this stage
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
This first part of the planning period is provided with no obligation to proceed to the next phase. You can exit the process at any time at no cost.
- Analysis
- Review
- Proposals
Constructing your portfolio
This portfolio construction phase includes:
- Tax efficiency review
- Product flexibility assessment
- Investment strategy and assets allocation review
- provision of advice and recommendations
- Investment and planning reports
- Investment
report
Implementation fee payable at this stage
Due on acceptance of our Investment report- Implementing
the proposals
This implementation phase could include
- Carrying out fund switches to existing investments
- Surrendering existing products
- Arranging new products
- Undertaking transfer strategies while managing out of market risk
- Completion of documentation and all administration
- Regular process updates and problem solving
- First
review
Important to know
Our Head of Client Care will contact you to check progress and ensure you are satisfied with the service
- First
review
Ongoing fees
Commence following your first review valuationOngoing advice service includes
For full details of our fees, take a look at our retail client agreement
- 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
- First annual
review - 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
This planning phase includes:
Planning fee payable at this stage
Payable on signing our letter of engagement that will be provided with your service agreement, outlining the specific fees applicable to you.
This first part of the planning period is provided with no obligation to proceed to the next phase. You can exit the process at any time at no cost.
- Analysis
- Review
- Proposals
- Tax efficiency review
- Product flexibility assessment
- Investment strategy and assets allocation review
- provision of advice and recommendations
- Investment and planning reports
- Investment
report - Implementing
the proposals - Carrying out fund switches to existing investments
- Surrendering existing products
- Arranging new products
- Undertaking transfer strategies while managing out of market risk
- Completion of documentation and all administration
- Regular process updates and problem solving
- First
review
This portfolio construction phase includes:
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
review - 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
- Annual
review -
Updates of:
- Circumstances
- Objectives
- Risk
-
Reviews of:
- Financial plan and strategy
- Performance
- Cashflow forcast
- Assessment of continuing suitability
- Quarterly
reviews
Ongoing fees
Commence following your first review valuation
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
- /
Get in touch with our advisers by completing this short form or by calling 0808 156 1176.
Request a callback from one of our advisers by completing this short form
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