PFP Service

Your Harrogate Financial Solutions adviser will agree with you at outset the level of service which is most appropriate for you; so you will be fully aware of how we will work for you from your initial meeting through advice to ongoing servicing. The Professional Financial Planning Service incorporating Portfolio Management is our premier service and includes…

Initial Assessment Service

  • Evaluate and adopt existing arrangements
  • Collect relevant facts to understand your current position
  • Establish your financial objectives
  • Establish your protection requirements
  • Establish your tolerance to risk
  • Establish your required liquidity

Producing Your Financial Plan

  • Interpret your financial objectives
  • Identify any shortfalls and make recommendations in regard to your protection requirements
  • Establish a suitable asset allocation to match your attitude towards investment risk
  • Identify the most tax efficient wrappers
  • Construct a suitable investment portfolio
  • Present your written financial report

Implementing Your Financial Plan

  • Establish new arrangements
  • Process documentation

Ongoing Service

  • A minimum of one annual face to face meeting (if appropriate)
  • Our Annual 12 Point Financial Health Check for protection and investment
  • Portfolio Management Service consisting of a range of Portfolios and a quarterly service commitment to include: –
    • Regular review of the funds within your portfolio and assess their ongoing suitability
    • Contact you to confirm whether your attitude to investment risk has changed, or if there have been any other changes to your personal circumstances, which may affect your financial planning requirements
    • Obtain your written consent to update your portfolio, switch funds and realign the portfolio as recommended.
  • Biannual written portfolio valuations
  • Annual written Tax Summary where relevant
  • Online access to “Wrap Platform” (if appropriate)
  • Review of other investment opportunities upon request
  • Automatic life-styling for pension plans (if appropriate)

Priority Response & Availability

  • Additional face to face meetings available on request
  • Unlimited access to your adviser during normal business hours via telephone or E-mail
  • We aim to return all phone calls and E-mails within 1 working day