Answer. Not every customer is the same and all have different requirements but what they should receive is fair treatment from an adviser at all times no matter which one of our advisers you may see they will all follow the company guidelines and procedures in their dealings with you as our customer.
Answer.When we action any recommendation that we make to enable you to work towards your stated objectives we need to ensure that you are on track to achieve them. Your circumstances may change due to many reasons and adjustments may need to be made to our original recommendations, this is why we carry out regular reviews with our customers.
Answer.We all have a different view as to how much risk we are willing to take be it crossing a road, what we eat or drink and this applies to the investment markets. Ask yourself how much you might be prepared to lose if you invested an amount of money over a given period of time if markets fall. This is attitude to risk and can and does change at different times of our lives depending on circumstances. We revisit this every time we see our clients to ensure that their investments relate to this risk factor.
Answer.The majority of people do not know why they should have a will but it is the only way in which you can ensure that what you have worked hard to achieve goes to the people you want it to, otherwise under present legislation a large proportion of it will go to the state.
Answer.In the event of a persons death any policy proceeds form part of the estate of the deceased and would require probate to be granted before any assets of the estate can be released. If a policy is written in trust the monies can be released right away.
Answer.We are all getting richer mainly through property values and by inheriting from our parents, the nil rate allowance for inheritance tax is decided by the government and can be changed, frozen or abolished at any time therefore prudent planning is always advisable.
Answer.Retirement age is decided on by the government as are such issues as tax free cash from your pension, correct advice is essential so as you can achieve your objectives and need to be reviewed on a regular basis which we as a company do with our customers.