OUR SERVICES
SAFETY FIRST STRATEGY – INVESTMENT ADVISORY SERVICE (SFS – IAS)
In order to protect wealth from the perilous state of UK and worldwide investment markets our current priority is helping clients who are interested in our Safety First Strategy – Investment Advisory Service.
FREE INITIAL CONSULTATION
The initial Face – to – Face, telephone or Skype meeting is free of charge and without obligation and we will not carry out any work until the basis of our remuneration terms have been agreed in writing.
Please read the ‘KEY FACTS about our services and costs’ for more information about what we do and charge.
A ‘FAIR’ WAY OF CHARGING FOR INVESTMENT ADVICE
To coincide with the nationwide launch of the Safety First Strategy - Investment Advisory Service (SFS–IAS) we have devised a new way of charging for investment advice, which is in harmony with our highly popular ‘Fixed Fee & Commission Back’ system which has been benefitting our mortgage clients since 2004.
This ‘FAIRway’ fee system uses a combination of fixed, variable and performance related fees to balance both parties’ interests so that the best possible outcomes can be achieved.
FAIRway brings the SFS–IAS in reach of clients with relatively modest amounts to invest without penalising wealthier ones with a high absolute front end charge. This has been achieved by replacing the traditional percentage based initial charge with a fixed fee of £500 for business conducted via a combination of telephone, post, fax, email, and Skype.
The initial savings with FAIRway can be huge as most IFA firms charge 3% upfront, so for a £150,000 investment their fee would be £4,500! With FAIRway, however, it would be £500 and that would apply to any investment amount.
And for clients whose priority is to maximise income we have halved our normal ongoing advice and services fee from 0.125% to 0.0625% per quarter.
We are not aware of any other advice based investment service where the effective initial charge is as low and where there is no explicit minimum investment. For full details please read our Safety First Strategy - Investment Advisory Service Client Fee Agreement.
OTHER SERVICES & COSTS
Please read the ‘KEY FACTS about our services and costs’ for more information about what we do and charge.
HOW OUR SERVICE WORKS – THE PROCESS
1. INFORMATION :
We ask you to complete a Financial Planning Questionnaire to help us give you the most suitable advice
2. CONSULTATION :
The initial consultation is free and you are under no obligation to proceed. It allows Kim to understand your needs and answer any questions you may have about our service. The consultation will be conducted either Face – to - Face or by telephone or Skype – subject to the service level agreed.
3. RECOMMENDATION :
Kim will summarise his recommendations verbally and/or in writing. His recommendations will be open for further discussion.
4. ACTION :
If you decide to proceed, Kim will help you complete the paperwork and ensure that your investments are set up correctly.
5. CONFIRMATION :
Kim will write to you confirming his recommendations and what was finally agreed
OUR ADVICE IS INDEPENDENT AND IMPARTIAL
Many financial advisers in the UK can only recommend products or services from one or a limited number of companies. These ‘tied’ advisers usually work for insurance companies, banks and building societies and will try to find a product to suit you from a restricted range of options.
Kim, however, is free to select investments from the whole market so you can be sure that our advice is truly impartial and that we will always act in your best interests.
QUALIFIED ADVISER
Our adviser, Kim Andrew Lincoln, will give you details of his qualifications and experience on request.
FINANCIAL PLANNING QUESTIONNAIRE
In order to provide you with the most suitable advice you will have to complete a financial planning questionnaire with the details of your current circumstances. This document gives us an overview of your financial situation and personal circumstances and what you want to achieve.
This personal information will be treated in the strictest confidence, and you are not required to disclose anything that you do not wish to.
- Request a copy of the financial planning questionnaire to be sent to you
If you need some help or have some questions you can speak to our adviser Kim Andrew Lincoln before completing the financial planning questionnaire.
Please ring Kim on: (01952) 249737 (9.30am to 5.15 pm Monday to Friday)
FAST RESPONSE TO ENQUIRIES
We aim to respond to enquiries within 24 hours, although we will usually call you back on the same day. Our adviser is often in client meetings which is why it is not always possible for him to call you immediately.
REVIEWING YOUR INVESTMENTS
If you invest in the Safety First Strategy – Investment Advisory Service you will receive a comprehensive quarterly valuation report. From time to time we also send out Newsletters to keep you informed about things we think are important in the investment world and economy. And if you have something specific you wish to discuss you can always give Kim a ring all of which is included in our standard fees for the SFS -IAS.
For non SFS –IAS business there is no formal periodic review service.
If, however you require a formal face – to - face review this service may be available subject to your location and the size of your investment portfolio. A separate fee may apply for this service.
ADVICE WITHOUT OBLIGATION
There is no obligation for you to act upon our advice and in most cases if you don't want to proceed there is no charge.
Please telephone our adviser, Kim Andrew Lincoln, on (01952 249737) to book a free initial consultation or request a call back here.
FIND OUT IF YOU NEED ADVICE
Many people are not sure if they need advice, so we have structured our service and this website to enable you to understand the benefits and costs before you make any commitment.
However, if you still have some questions our adviser, Kim Andrew Lincoln will be happy to answer them.