How we work
We normally follow a similar process for Investments (including pensions), Mortgages and Insurance products such as life assurance, income protection etc. Initially this involves a no obligation discussion to establish your requirements at which time we can explain the range of products we offer, our service options and how we are remunerated. For Investments and Mortgages we always offer a fee based option and normally a commission or fee and commission option. For Insurance products we are normally remunerated by commisson.
Recording and reviewing the facts
The next step involves us researching, recording and reviewing your circumstances and requirements. For Investment business this will involve a form of financial audit and risk analysis, we also provide an inital overview and summary of ideas, taking into account taxation, risk, liquidity, income and growth requirements etc.
Research
We then undertake tailor made research, comparing products in order to find the most appropriate solutions. We use various computer systems to support this research and as appointed representatives of Sesame Limited, we enjoy the benefits of being able to use Sesame's dedicated research department. The research department are constantly reviewing the products within the marketplace to ensure we are offering the best possible solutions.
Recommendations
Normally we meet "face to face" to explain our recommendations and the underlying financial products. Our advice is always supported by a written report, which explains the the reasoning behind our advice. Next we will assist with the neccesary paperwork and completion of any transactions.
Review
After this, we can agree a timescale to review insurances, mortgages and investments as required. The majority of our clients have been with us for many years and we are proud that they recommend friends and family to us. We also receive recommendations from other professionals such as accounants, solicitors and bankers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
For mortgage advice you can choose how we are paid: pay a fee, usually £600, or we can accept commission from the lender, or a combination of both.
We usually offer Accident, Sickness and Unemployment Insurance from a single provider.
We usually offer Home insurance from a selected panel of providers.