case studies

Our truly bespoke service means every client’s work is different. We have included some examples below of how we have helped our clients.

For an Investment Advice Firm

Client provided:

• Fully completed fact find

• Fully signed client agreement stating fees applied to this recommendation and ATR

• File note explaining client objectives, requirements and areas of advice to be covered

• Any ceding schemes valuation and full summary (initial premiums, withdrawals, income requirement, underlying funds, TER, other investment choices)

• Recommended investment strategy (if applicable or request to provide research)

We produced for client:

• Research if recommended investment strategy was not provided

• CGT or Chargeable Gains calculations if applicable (if over the threshold, the adviser is being contacted and possible exit strategy is agreed i.e. over two tax years etc)

• Full recommendation report

• Illustration

• Any remedial work post compliance check or adviser changes

For a Pensions including DB schemes firm

Client provided:

• Fully completed fact find

• Retirement options questioner (if applicable at retirement)

• Client agreement and fees applicable

• Fully completed ATR including Capacity For Loss

• File note explaining objectives, requirements, income required at retirement, desired retirement age, purpose for the pension fund

• Ceding scheme information:

1. For DC schemes: full valuation, contributions, NRD, underlying funds, charges, projections

2. For DB schemes; CETV, spousal pension, revaluations and increases in payment, benefits at NRD or Date of Leaving, tax free cash factors

• Recommended provider or investment strategy (if applicable or request to provide research)

We produced for client:

• Research if recommended investment strategy was not provided

• TVAS report (using Selectapension) for DB schemes

1. Once this is produced, the usual conduct is to send it to adviser for a quick conversation and discuss whether this case should be processed or should be advised against transfer

• Any calculation with regards to possible contributions, carry forward, lump sum payments

• Full pension transfer analysis

• Full recommendation report

• New product illustration including projections

• Any remedial work post compliance check or adviser changes