Guidance. Reassurance. Inspiration.
Imagine having someone that you know and trust on hand, anytime, to advise you on the smaller aspects of how you manage your money, as well as those big decisions. We think that sounds like a grand idea, which is why we’ve created two monthly Service Plans for you to choose from. Both provide the highest possible standards of service and advice.
Our fee structure for each service level is entirely transparent and is designed to build a long-term relationship and trust. Full details will be discussed with you at the initial meeting which is entirely at our expense. A summary is also available on request.
Option 1 – Primary Advice, solving specific or short-term problems
This service is particularly suitable if you initially require advice and recommendations for a specific area of finance e.g Pensions & Retirement, Savings & Investments, Family Protection or Mortgages.
We’ll help you find the right product for your circumstances now and resolve your most urgent financial issues. But we’ll also continue to be available after that for annual reviews and on-going advice about any area of your financial health.
With our Primary Advice service you get:
- Initial Meeting and Information Gathering
- Analysis and Research
- Summary Report limited to the specific area(s) requested
- Requirements and Recommendations meeting
- Annual policy statement/valuation (if applicable)
- Access to your Mulberry Chartered financial consultant whenever needed
- Bi-monthly e-magazine
- Remortgage Service (if applicable)
- Investment rebalancing (if applicable)
- Investment/pension portfolio statement (if applicable)
- Annual Attitude to Risk update (if applicable)
Some of our clients join us initially on a Primary Advice Plan, but then upgrade to Premier Financial Planning at a later stage.
Option 2 - Premier Financial Planning, providing a clear direction and reassurance for the future
This service is recommended if you want to develop an ongoing relationship with your financial advisor and receive regular help with identifying and achieving your financial goals. Our aim is to ensure you reach your ideal lifestyle (or maintain your current standard of living if you’re already living the dream) without the fear of running out of money.
There are three distinct parts to our Premier service, each complementing the other to provide overall long-term benefits:
1) Lifestyle Planning
This is the first and most important step, where the focus is on getting to know you. We listen to what’s important (and to what might be worrying you) and figure out what you want to achieve financially in the next 5, 10 or 30 years. Doing so helps us to work out the cost of your current and future desired lifestyle and take into account all of the things you want or need to do in between. This is a really enjoyable part of the process because you can dream big and set real goals.
2) Financial Planning
Once we know what you’re trying to achieve, we can do some thorough financial modelling and strategy planning. This is where we analyse all of your existing financial arrangements to see what you’ve got already and how these resources could be used to help achieve your lifestyle plan. We’ll also look at your expenses and how these might change over time, so that this can also be factored into your financial plan.
3) Independent Financial Advice
Finally, if we agree that certain financial products will be necessary to protect or grow your wealth as you’d like, then we scour the market to find the most suitable products. Our recommendations will always be provided in a written report so you can take the time to digest everything and ask questions.
With our Premier plan you get ALL of this:
- Full Lifestyle Planning and Financial Planning, with recommendations
- Financial Needs analysis and goal setting
- Annual reviews and update meetings to ensure your plans continue to meet your needs
- Regular contact with key financial information
- Bi-monthly e-magazine
- Annual policy, plan and investment summary
- Access to your Mulberry Chartered consultant and support team whenever required