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Your
first meeting with a senior Wellington adviser, usually in your home, is
confidential, free of charge and entirely
without obligation. From that meeting onwards, respecting your trust
and
confidentiality governs everything we do for you.
Having
learned about your circumstances, we will go away and research your
requirements
and the best means of meeting them. Then we will arrange a further
meeting, by
appointment, and report our findings and your options at your own pace,
explaining everything as we go. When you have had time to consider our
recommendations, we will make all arrangements on your behalf.
At
the outset, we will, as required by the Financial Services Authority,
give you
documents explaining your rights and our duties to you, and setting out
what we
do and how we do it. We will request your written authority to act on
your
behalf, if you wish us to do so.
At
regular six monthly intervals we will visit you again and give you a
comprehensive,
written portfolio of your finances: income, capital, investments,
credit facilities
and tax liabilities, and discuss the contents. As your circumstances
change, we
will advise you on the steps you could take and, if necessary,
implement any
changes.
Our
services, however complex, may cost you nothing, as the providers of
most financial
products will often pay us a commission. You may choose to pay us by
fee
instead, or by a combination of the two. You will know in advance what
sums are
involved so that you can make an informed decision.
We
can advise you on:
- Mortgages:
first home, next home,
holiday home, buy to let, equity release, commercial
- Pensions:
personal and company
pensions, income drawdown, stakeholder, pension
rights transfer
- Investments:
banks, building societies and National Savings, investment bonds, unit
trusts, PEPs and ISAs, financing your children’s future education
- Insurance:
life, disability, health, property, long term care
- Loans:
secured and unsecured, debt consolidation
- Taxation
and Trusts:
income
tax, capital gains tax, inheritance tax
Useful
links
Wellington Financial
Management Limited is not responsible for
the content of external
websites.
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