Independent Wealth Management

Call us on 01276 517700 or email advice@professional-wealthcare.co.uk

Our process

Getting to know you

Before we recommend a pension solution for you, we first spend some time understanding your needs and aspirations. We also conduct a risk assessment where we establish your tolerance for investment risk. Whether you are cautious, balanced or speculative with your investments, it is important to make sure your plans are right for you.

Reviewing your plans

If you have existing arrangements, we will contact your existing pension providers to obtain full up to date information about your plans. We will also examine these plans to see if there are any special benefits within them that you should know about, such as guaranteed annuity rates. We will check for any charges that would be incurred if you make changes to your plans.

Fund selection

Using modern pension plans, we can build a portfolio of funds that is suitable to your needs. We like to spread your risk using some of the best funds available. It is important that each component part of your pension portfolio is skilfully managed. All funds are fully regulated by the Financial Conduct Authority, giving you the security of knowing that your money is in safe hands.

Monitoring your plans

No pension strategy is complete without some ongoing care and attention. You may like to set up a service agreement, enabling us to review your portfolio on a regular basis to keep it on track. This service involves keeping an eye on your selected pension funds to ensure they remain a good choice. We will keep you informed and recommend changes, such as fund switching, if we feel this would benefit your plans.

Approaching retirement

As retirement approaches, it is important to consider how you are likely to be taking benefits and discussing the options. We may advise you to lock in gains by switching into safer funds or making any other required adjustments.

Why Wealth Management

During my long career as a financial adviser, I have always periodically reviewed many of my clients’ plans.  Sometimes I have advised on the merits of moving their pension, investments or protection plans to an alternative provider.  The reasons may have been to reduce costs, to access useful features, or to move into better funds […]

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What is wealth management?

Wealth management is a phrase which you may have come across before.  Essentially it’s a self-explanatory term with quite an obvious meaning.  However, it can mean different things to different people.  So, let me explain what we mean when we refer to the ‘Professional Wealthcare Wealth Management Service’.

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Market Commentary April 2017

Rayner Spencer Mills Research Limited is a respected investment research company. They provide independent research of investment funds and analyse the people, processes and capabilities behind the investment decisions. This quarterly market summary provides a snapshot of their current market commentary. This is nice ‘easy reading’ avoiding getting bogged down with industry jargon.  We hope […]

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Investments

Investing your capital for tax efficient growth or income...

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Protection

Protect your family, life assurance, critical illness, income protection...

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Barry has helped me with pension advice and monitoring.  He has been extremely professional, courteous and helpful. Thank you.

Jim Melvin

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