What we do?
How Ashley Independent works (What we will do for you) below is an explanation of the process we go through and we explain this at your meetings.
(1st Meeting or possible 2nd meeting)
Personal Financial Planning Questionnaire which includes defining our relationship and the service level offered.
Getting to know you? You can ask us questions? Do you like us? We complete a Fact-Find document and this will also include a written record of the meeting and services offered and our ongoing future relationship. This is considered a full disclosure meeting.
We will access client information from the Factfind data and determining goals and expectations such as household income, assets, liabilities, and cash flow, statements, legal documents, economic assumptions, immediate needs and others. Please be advised we will ask you many questions on matters relating to money and finance in general.
(2nd or 3rd meeting)
Analysis and understanding of the issues and a discussion about resolving the problem. Also known as the evaluation stage. Ashley IFA will provide you with a report and outline the threats; the strengths and opportunities open to you. Do you wish to address the problems now that you fully understand? Ashley IFA will then Develop and present the financial plan. You will be issued with a list of suitable and usable recommendations relative to the outcomes of the previous steps of the process.
(3rd or 4th meeting)
- Implementing the financial recommendations.
- Make the recommendation and apply accordingly.
- Monitoring the financial plan and the recommendations.
- Ensure and deliver documentation as to the status of each recommendation and ensure ongoing processes are in place for monitoring the plan.
In this complex and often demanding world; financial security cannot be underestimated. It is one of the most important financial dilemmas facing individuals and businesses. We will assess and provide you with a report on the risks and opportunities facing individuals and businesses. These could be varied and considerable.
We think nothing to insuring our home, our car (we have to by Law) or even our lovely pets, but how many of us really think about what else is important?
These could be:
Your life and extended family
Your business and its employees
Your retirement fund
Your savings and investments
Your other assets
Your household income
The family home
Equities & Bonds
In this commercial and financially driven world; there is nothing more important than ensuring future financial security – for you, your family and your dependants or even your business and the employees.
Ashley Independent financial advisers are focused on meeting customer needs and ensuring that clients be it individuals or business can benefit from our approach to financial well being.
These could be……
Good and sound financial planning may enable you to achieve your long term goals and objectives.
Good and sound financial planning may also protect yourself and those close to you against unexpected events or misfortune.
Good and sound financial planning can ensure that you keep the wealth you have worked hard to acquire.
Individuals and businesses can both benefit by seeking advice which is trusted and independent.
Independent Financial Advice
The role of a good independent financial adviser is to consider each clients individual financial needs.
We offer three services levels when seeking Financial Planning and advice:
Wealth Management Service
Financial Planning Service
Financial Awareness Service
There are no charges made for the initial preliminary meeting, which is non-committal and free of cost to potential clients. Following a careful analysis, a full financial planning report can be produced to cover all aspects of the client’s requirements and highlight areas of need or concern.
A discussion would take place where we would then agree on an agenda or a course of action which can be jointly agreed for implementing and also ensuring future monitoring of any agreed strategy.
Once clients needs have been assessed and a clearer picture of the work involved has been determined, details of the costs which may be incurred, will be provided in writing before any chargeable work commences.
Tax treatment is based on individual circumstances and may be subject to change in the future. Will writing and/or tax planning is not regulated by the FCA. A pension is a long term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. The value of units can fall as well as rise, and you may not get back all of your original investment. Critical illness – the policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the key features and policy documents. Life cover (non-investment), income protection and PMI – the plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. Trusts are not regulated by the financial conduct authority. Critical illness – the policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the key features and policy documents.
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