2022-03-22 GDD

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How big are we? It depends what you mean by ‘big’ but the following may help you decide. Currently: • We employ four fully qualified financial advisers. Supporting them are seven technical staff engaged in administration, research, and preparation of advice, who are overseen by a Chartered Financial Planner. In addition, we have a full-time compliance officer assisting us with negotiating the range of complex regulations and laws that financial services businesses must meet. • We do not outsource technical services, compliance, or investment oversight, but take pride in managing this internally and to a high standard. • We advise on over £70 million of customer investments. • We service over 340 active clients including private individuals and businesses across the UK. • Combined, our staff have over 150 years of relevant industry experience. • We apply the same principles of prudence and thrift to the financial management of our business as when advising our customers. We retain a significant amount of our balance sheet assets as cash, which gives us a superior capability to deal with risks, adapt to changes in the marketplace, and focus on long-term goals and objectives. Page 10 of 34 General Disclosure Document 23/3/2022
What financial matters do we advise on? We provide advice to customers who are defined by the Financial Conduct Authority as ‘retail’ or ‘consumer’. This means ordinary people acting outside their trade or profession. We also advise ‘professional’ and ‘commercial’ customers. These are typically larger organisations and businesses who have a greater understanding of the products on which they require advice. The permissions we hold from the Financial Conduct Authority enable us to advise on a wide range of financial products and transactions. These include: • Investing capital to create a regular income or protect against erosion in value from future inflation. This is typically for retired customers, or those who have amassed significant funds they wish to pass on to the next generation. • Planning to meet income needs in retirement. This is typically for customers who have not yet retired but wish to plan for a retirement income to support a particular lifestyle. • Advising on the transfer of entitlements held under occupational pension schemes. • Protection for families against the financial effect of death or incapacity. • Reducing exposure to inheritance tax through use of insurance and investment products. We also advise businesses, ranging from small to large, on business planning issues including. • Employee workplace pension arrangements and death in service schemes. • Shareholder protection arrangements. • Key-person cover. • Self-invested and director pension arrangements. • Corporate Investments. Page 11 of 34 General Disclosure Document 23/3/2022
Page 1 and 2: General Disclosure Document About u
Page 3 and 4: Purpose of this document Financial
Page 5 and 6: Where are we based? Our offices are
Page 7 and 8: To reach us by rail ‣ Arriva Trai
Page 9: Our approach to advice We believe i
Page 13 and 14: • The costs and charges you will
Page 15 and 16: Where we provide services to you as
Page 17 and 18: Those sources with whom we will sha
Page 19 and 20: How we are paid Before we agree to
Page 21 and 22: Our customer proposition for ‘Inv
Page 23 and 24: Our customer proposition for ‘Sin
Page 25 and 26: Our customer proposition for ‘Pen
Page 27 and 28: Our customer proposition for ‘Pen
Page 29 and 30: As an example - Let us say you have
Page 31 and 32: How much does it cost? Value of est
Page 33 and 34: How much does it cost? Value of est

2022-03-22 GDD

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