Services for individuals and their families. Ashcourt Rowan Financial Planning

Transcription

1 Services for individuals and their families Ashcourt Rowan Financial Planning

2 Contents What is the role of 1 the financial planner First things first 2 How we can help 3 The financial 4 planning process Remuneration 5 Other services 5 Six reasons to choose us 6 On time, on budget, 7 as expected Contact us 8 It is the quality of our service, the way it is delivered and the value we provide that distinguishes us from our peers.

3 What is the role of a financial planner? We are here to help with the things that you care about most: your family, your lifestyle, your time and your freedom to make choices. We start by asking you about what you value most, what worries you and what you would like to make certain. We need to clearly understand your goals and objectives in order to develop the right strategy to achieve them, to advise you on their suitability and achievability, and to develop, where required, an appropriate financial planning strategy. We will seek to help you understand and minimise the taxation consequences and risks involved in executing any strategy or plan, including explaining key concepts and issues. Our job is to help you make decisions easily setting out the options on complicated topics plainly for you to make plans for your future. Importantly, we will also monitor progress towards your objectives and review the strategy regularly. 1

4 First things first Our team is formed of skilled professionals trained to understand your priorities and deal with a range of complex needs. The financial planning process is driven by your needs. We need to know where you are now the more detail, the better. We need to know all about your savings, income, assets, responsibilities and debts. With this data, and a good understanding of you and your priorities, we will agree what needs attention now, what needs attention soon and what might need attention later. We aim to understand and meet your needs and expectations for your investments, including your time horizons and tolerance for the risks inherent in investing your money. This is essential if your plans are to be tailored to you and to ensure the results are as you expect. 2 Ashcourt Rowan: Services for individuals and their families

5 How we can help We can help you plan for the unexpected, by identifying solutions that contribute positively to insuring against life s unexpected events. We can help you minimise your tax and maximise the potential to meet your objectives. We can help you make the right choices now, for the right income in the future considering different ways of saving tax-efficiently for the future. We can advise on many legitimate reliefs, exemptions and allowances that could result in your estate paying less inheritance tax. Planning ahead lets us worry about the financial and legal implications of long-term care for you leaving you to focus on yourself and your loved ones. Managing your income needs Planning for retirement Investment management Inheritance tax planning Your family s wealth management Protection and managing life changing events Later life advice Mortgages School and university funding Ashcourt Rowan: Services for individuals and their families 3

6 The financial planning process Review Regularly review your situation and arrangements to ensure you remain on track Discovery Understand your current situation and objectives for the future Implementation Manage any relevant administration that needs to be completed following our recommendation Analysis Assess your existing arrangements to ensure they remain suitable for your financial objectives, attitude to risk and tax position Discussion Research the marketplace to identify the most suitable solution for your current situation and present this back to you 4 Ashcourt Rowan: Services for individuals and their families

7 Remuneration We believe in controlling costs and that there should be complete transparency in how we are paid for our services. We also believe that, at the outset, you should be able to assess the value of our advice before you go ahead and will discuss the options available for our remuneration and the shape this takes. Other services Ashcourt Rowan group companies also: provide bespoke investment management services for individuals, families, charities and trusts; and help business owners, employers and pension trustees manage their pensions and benefits responsibilities, liabilities and opportunities, retain and protect key staff, and protect their businesses. If you would like to find out more, please let your planner know. We would be delighted to discuss these additional services as well as the solutions highlighted in this brochure. Ashcourt Rowan: Services for individuals and their families 5

8 Six reasons to choose us Transparency We know only too well that the financial services industry is plagued with confusing jargon, so we have committed to ensuring clarity in all of our dealings. Our advice, written communications and charges are delivered in a transparent manner, at all times. People We employ only the best people, with the right knowledge, experience and commitment to our service ethos. Specialists All of our planners hold professional qualifications, with their knowledge kept up-to-date through continuous professional development. Throughout the group, our planners are supported by dedicated and experienced specialists, enabling us to offer bespoke advice to meet specific needs. Philosophy At all times we operate fair and honest business practices, respect confidentiality and conduct ourselves in a professional manner. Value for money In today s economic climate this is more important than ever and is a trait that is second nature at Ashcourt Rowan. We make sure you only pay for what you need and tell you about costs in advance so you can assess value. Accountability We work for you and are accountable to you. 6

9 On time, on budget, as expected Much of our expertise is based on technical knowledge, but the added value comes from the relationships that we forge with clients who understand and appreciate our professional advice. In a sector which is sometimes seen as inflexible, Ashcourt Rowan is different. You can see this in our passion for finding realistic solutions for our clients; in the relationships we enjoy, both within and outside of our organisation; in our expertise and our shared ownership of the challenges which you face; and most of all, in the results we achieve. Ashcourt Rowan: Services for individuals and their families 7

10 Contact us Our services to clients are delivered on a face-to-face basis nationally, supported by dedicated technical teams primarily in London and Leeds. Telephone clients@ashcourtrowan.com Head office Towry House Western Road Bracknell RG12 1TL Website Ashcourt Rowan Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. 8 Ashcourt Rowan: Services for individuals and their families

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