Our Services and Fees Explained

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1 Our Services and Fees Explained

2 Providing Financial Peace of Mind By taking the time to understand your financial situation and events which have or might affect it in the future. By discovering how you can fund significant and important expenditure such as buying a new house, paying for a wedding or education expenses. By reviewing your existing retirement plans and implementing changes to ensure you can look forward to a secure, adequate income in retirement at an acceptable age. By discussing whether deferring retirement or increasing pension contributions is the most suitable course of action. By making adjustments or additions to your investments, protection and pension planning to manage the effects of market volatility. By reviewing how you can financially support your children and grandchildren without risking your own financial security or future. By setting out detailed financial plans which map out where you are now, where you want to be and how you are going to get there. By working together to understand your cash flow and income streams and how these may be maximised, whilst any tax burden is minimised.

3 Welcome At Oakleaf, we care as much about your financial well-being as we do our own. Our Mission Through holistic financial planning our objective is to provide you and your family with financial peace of mind. About Oakleaf Oakleaf is a wealth development specialist providing a comprehensive suite of services to both private and business Clients, including general financial planning, wealth management, investment strategy, retirement, protection and taxation planning. We also offer mortgage and property portfolio advice. Based in Roundhay, Leeds, we work with Clients from across Yorkshire and beyond. This Booklet This booklet provides information about our services, how we charge for them and breaks them down into the different financial planning stages. It is important you read this information carefully. We offer independent advice which means we will advise and make a recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market. What we do Our service is delivered through personal financial partnerships, providing ongoing support and advice, throughout your lifetime. We believe financial peace of mind isn t achievable via a one off transaction, but a continuously adapting strategy, developed and agreed by both you and your Adviser. We see ourselves as your life long financial counsellor, on hand to guide you through key stages in your life, ensuring you re prepared, protected and primed for what is hopefully a fantastic journey. Knowing that whatever the challenge, you don t need to worry about your financial capability, is something that we believe is not only vitally important, but with careful financial planning, absolutely achievable. 3

4 How do we do it? With over 50 years of experience between the team, Oakleaf is well placed to provide exceptional financial advice. In a world where changes to the financial landscape are almost daily, we also use a range of electronic based tools, such as risk profiling, portfolio management, tax calculation and fund selection, as well as expertise from specialist teams within Investment and Insurance Providers. Why do I need financial advice? Whilst many of us know what we want to achieve financially, frequent regulatory and legislative change makes knowing how to do so extremely challenging. Oakleaf will guide you through your options, will maximise your wealth, minimise the effects of taxation, fully protect you and your loved ones and ensure you have a bright financial future. Our Team Ensuring we remain at the financial cutting-edge is taken very seriously and we have a dedicated team of Advisers and support staff specialising across the plethora of financial planning and wealth management. Our team have a wealth of experience, providing financial solutions that are individually tailored to Client s needs. All our Financial Advisers are fully authorised and meet regulatory standards for knowledge, experience and integrity. The Oakleaf advice process Stage 1: Initial Meeting We meet to build a clear picture of your circumstances, your needs and your plans for the future Stage 2: Financial Review We W make sure we fully understand your financial circumstances, objectives and aspirations Sta Financial Plan & We analyse what y prepare a detaile explaning all How we do it We discuss our services and whether these will help you meet your objectives How you benefit Clear understanding of the services that we offer We complete a detailed factfind, assess your attitude to risk and utilise computer-aided modelling to determine your current financial position Clear picture of where you currently stand Using our expertise and liason with p we prepare a detai which includes an and define Clear picture and

5 How things work - Initial Meeting / Discovery As your time is as important as ours, we conduct an initial meeting to discuss our services and your objectives which provide both of us with an opportunity to ask any questions before making the decision to work together. This meeting is at our expense. Factfind Once we have decided to work together, we will complete an in depth review of your current financial situation, priorities and aspirations. Recommendation When we understand your financial circumstances and aspirations we will make a recommendation as how best to arrange your finances in order to meet these. ge 3: Recomendations ou have told us and d financial report your options Stage 4: Implementation We implement and arrange the most suitable solutions in order to meet your objectives Stage 5: Financial Review We review your plans and recommend any charges, specialist software roduct providers led financial report swers to what ifs s next steps We research the whole of the market, liasing with providers, technical experts and set up portfolios in line with your attitude to risk We provide regular updates on your investments, review of your circumstances, detailing any required changes, revision and updates of your options choices Clear route ahead Keeping you on track

6 Lifetime Financial Plan Our financial planning software can help bring our recommendations to life and offers you the opportunity to map out your financial circumstances and future aspirations far into the future, sometimes beyond your 100th Birthday. It uses a range of informed criteria to provide an insight into how much you might have or need in retirement, whether you can afford your dream holiday or simply provide the peace of mind that you will be unlikely to run out of money. The report will form the basis of your financial strategy and we will use this for implementation and regularly review it to ensure it is fully up to date and continues to fit your financial circumstances. These are just some of the examples of what our Lifetime Financial Plan can do which many of our clients find particularly useful. This service is available for a one off fee starting from 600, separate to funds invested, except with our Bespoke Service where it is complementary. You may choose to pay for a financial plan on a standalone basis and implement any changes yourself. If this is the case we will notify you of our charges in advance; these start at 600 and are based on our hourly advice fees of 150 per hour for an Adviser, 120 per hour for a Paraplanner or 100 per hour for Administrative work. The Lifetime Financial Plan is typically suitable for clients with 25,000 or more to invest, charges are tailored to suit each client. Specific charges will be agreed before any work is undertaken. 6

7 Implementation Once we have agreed your financial strategy, we will implement your plan, arranging the necessary solutions, liaising with Product Providers on your behalf. We will notify you of any initial fees prior to implementing your plan which are applicable for both lump sum and regular investments. 3% of the first 100,000 you invest plus; 2% of the next 150,000 you invest plus; 0.75% of the next 750,000 you invest plus; 0.5% of the balance you invest. For example; if you invest 50,000 your Adviser Charge would be 1,500 (exc. vat). If you invest 150,000 your Adviser charge would be 4,000. Typically suitable for clients with 15,000 or more to invest. If you would like us to implement your financial plan but not take advantage of our ongoing service, we will implement them as per the fees above. Please note: any commission received from arranging insurance policies is excluded from the above fees but may be used to offset against fees chargeable. 7

8 Ongoing Review We believe financial planning isn t a one off event, but an evolutionary process which changes in tandem with changes in your life. Therefore, we provide ongoing support where we regularly monitor your investments, keep you informed of any changes that are required and meet you on a regular basis to ensure your financial strategy is on track to deliver your financial objectives. To ensure we achieve this, all of our meetings cover our 12 point plan: 1. Current issues an update by you on issues that require attention. 2. Strategic Review an update by your Adviser on recommended changes to your strategy. 3. Investment Review looking back on the last 12 months performance. 4. Investment Action Plan looking forward and implementing any changes to investment strategy. 5. Debt Review reviewing your interest rates and debt restructuring arrangements. 6. Taxation Updates reviewing opportunities or threats created by changes to taxation law. 7. Pension update - reviewing opportunities or threats created by changes to pension law. 8. Insurance review providing a check of cover and policy wording. 9. Estate planning review ensuring your estate planning wishes are current and legally valid. 10. Removing the hassle sorting through any paperwork received that confuses you. 11. Family review discussing any financial issues affecting your family. 12. Professional update providing professional updates to your accountants and other advisers. Our ongoing fees are based on the amount invested with Oakleaf as follows and reviewed annually: 1% on the first 100,000 invested 0.5% on the next 250, % on the balance. For example; if your investment is worth 100,000 your annual Adviser Charge would be 1,000. If you invest 150,000 your annual Adviser Charge would be 1,250 (exc. VAT). Typically suitable for clients with 15,000 or more under management. You can cancel our ongoing services at any time. For investments less than this amount, including regular contributions, we will be happy to apply our hourly rates of for an Adviser, 120 for a Paraplanner and 100 for Administration. An initial summary of your account position will take 3 to 5 hours. For example; if an Adviser spent 4 hours providing general advice your Adviser Charge would be 600 (exc. VAT). 8

9 Lite, Comprehensive or Bespoke Service for Ongoing Support & Advice The amount of funds you have invested with Oakleaf determines the ongoing fees as well as the service provided: 0-100,000 Lite Service The Lite Service provides up to 5hrs per year of support and investment propositions suited to funds below 100,000, these include: Risk-targeted investment solutions Passive & Active investing Lite - Ongoing Service - 5 Hours Review Preparation Bi-Annual Meeting Fact Find Administration 100, ,000 Comprehensive Service The Comprehensive Service provides up to 10hrs per year of support taking into consideration the additional work required to manage funds invested of this level. Our financial planning software is also available at this level (for an additional charge) which is ideal for ongoing financial planning where larger and more complex levels of investment are involved. Investment propositions at this level include: Risk-targeted investment solutions Model Portfolio investment Comprehensive - Ongoing Service - 10 Hours Review Preparation Meeting 1 Fact Find Administration 9

10 Lite, Comprehensive or Bespoke Service for Ongoing Support & Advice cont 250,001 and above Bespoke Service Clients who have more than 250,000 invested with Oakleaf will benefit from our Bespoke Service. You will receive up to 20hrs per year of support and as well as having our financial planning software available, will be offered a holistic range of investment opportunities which include: Risk-targeted investment Model Portfolio investment Bespoke Investment Portfolios Bespoke - Ongoing Service - 20 Hours Review Preparation Meeting 1 Fact Find 1 Administration Review Preparation M2 Meeting 2 Fact Find 2 Pay as you go If you don t wish for ongoing service or support, we offer pay-as-you-go one off meetings or advice, subject to a minimum of 3hrs Adviser charge, at a rate of 150 per hour. Additional support will be charged at an hourly rate of 120 for a Paraplanner and 100 for Administration. Additional Work Lite, Comprehensive or Bespoke with each of these service levels you are entitled to 5hrs, 10hrs & 20hrs respectively. If managing your financial matters involves work which exceeds this amount of time, there will be additional fees chargeable of 150 per hour for an Adviser, 120 per hour for a Paraplanner or 100 per hour for Administrative work. We will notify you in advance if this is likely to be the case. If fees you have paid to Oakleaf are in excess of the time we have spent on your account we will either send you the difference or credit your account to cover future fees. 10

11

12 Oakleaf Independent Financial Services Ltd. Margaret House, 2 Devonshire Crescent, Roundhay, Leeds, LS8 1EP. Telephone: Credit facilities falling under the Consumer Credit Act 1974 are available to clients over 18. Written quotations available on request. Registered in England and Wales No Oakleaf Independent Financial Services Ltd is an appointed representative of TenetConnect Services Ltd which is authorised and regulated by the Financial Conduct Authority. FCA No OLF&S 01.14

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