The main purpose of this meeting is simply to decide if we want to meet again. It is at our expense, so there is no cost to you. We will ask you about your specific requirements and longer term financial goals. Then we can outline how we think we can help, what it might cost and any other information you need to make an informed decision if our services are right for you.
Our services
> Plan promise > How we get paid > Customer charter
How we work with you
Initial meeting
Engagement meeting
At this meeting we aim to gather detailed financial data, including goals, to develop a plan. Depending on what services you have selected, this can include analysis of cash flow, insurance, retirement plans, investments and tax strategies.
Presentation meeting
When your plan is prepared, we will present it to you and explain the recommendations, together with any alternative options, we have made. These can be revised, or fine tuned, to your exact specification.
Implementation
There is no obligation to progress to this stage, but the plan is not much good if it does not lead to some action. We can carry out actions agreed with you and co-ordinate with your other advisers (accountants, solicitors, etc.). Alternatively, you can implement part, or all, of the plan yourself.
Reporting & reviews
Regular reviews are essential. Financial advice is perishable and changes to your circumstances, along with investment conditions and tax rules, mean monitoring and adjustments will be needed on an ongoing basis.
Plan promise
If you buy a plan and do not believe it to be outstanding value, then we promise to refund whatever you think is appropriate, up to the total plan fee paid, within 30 days of you receiving the final version.
How we get paid
Thinking
We bring our intellectual capital (all that experience, qualifications and continuing professional development) to bear on providing detailed solutions to the issues that confront you. We offer a range of reports and plans, either individually or in combination. Charges for reports are between £495 and £1295, depending on the scope and complexity involved. These can be paid separately, or added to the next stage if you prefer.
Actioning
Little will result from a plan that is not acted upon. To implement some or all of our recommendations there is a charge of 1.75%, based on invested assets and a charge, based on premiums, for risk management solutions.
Managing, administering and reviewing
To provide ongoing advice, administration and regular reviews of your investments and your circumstances (more thinking), we charge 1% per annum, based on the value of assets under our advice.
Delivering success
By growing your wealth and providing workable solutions, our fees also grow and our interests are therefore aligned with yours. We also ask you to recommend our services to friends, family and work colleagues who you think could benefit.
“The road to success is always under construction.” (LilyTomlin)
This helps our business to grow without a big marketing department, so our charges are lower and more of our time is focused on you.
Customer charter
Rothmere Wilson are committed to offering our clients high standards of service. We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all our dealings with you.
Our commitment to you
We will:
- Ascertain your individual needs, preferences and circumstances before making recommendations
- Provide you with clear information about the products and services we recommend, including costs and charges
- Only offer solutions that we consider suitable for you and that you can afford
- Encourage you to ask if there’s something you don’t understand
- Give you our plan promise
- Give you access to a formal complaints procedure should you become unhappy with our service
