In the past advice on financial products has been steeped in mystery and technical language totally unsuited to clarity for clients, at all times we will treat you fairly and provide advice and guidance without product bias.

Our advice process is designed to eliminate the confusion felt by clients when faced with voluminous documentation as is currently available.

The following is how our clients will be treated:-

0. At the initial meeting with a client the adviser will pass over the firms Client Agreement or Terms of Business as it is sometimes called and his business card.  He will discuss in detail the various ways that advice and service is provided and how it is paid for.  If the client wishes to proceed with a full review the adviser will obtain information on the clients current financial and lifestyle plans, their goals and expectations for those plans and sufficient information on their income, expenditure and needs as to be deemed to "know the client" and to enable him and the firm to treat the client fairly.  Except in exceptionally complex cases the initial meeting and report  is without charge.
   
0. The adviser will compile a picture / summary of the information, provided, which can be easily understood and checked for accuracy.
   
0. The adviser will identify the clients actual needs for Lifestyle, Family and personal Life Assurance and Income Protection, Investment, Mortgages and Income in Retirement (pension planning)
   
0. The adviser will prepare a report on the clients  current circumstances, how their current plans meet their needs (or otherwise fall short) and what additional (if any) measures they need to take to ensure those needs are met.
   
0. The adviser must address and clarify any queries raised by the clients to their satisfaction, before proceeding to assist with the completion of any application forms for a financial product.
   
0. At some time prior to or shortly thereafter, the adviser will produce a report / letter, outlining the suitability of the plan recommended and a brief explanation of the Key Features.    Key Features Documents (product brochure) and illustrations shouldbe issued prior to the taking up of any recommendations.
   
0. The adviser must process the clients applications with all due expediency and diligence.
   
0. The adviser must keep full records of all transactions for the period required by the regulator and at all times ensure the clients can have access to the information recorded on computer and held in their file.