2022-03-22 GDD

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£350,001 - £400,000 £2,221 £400,001 - £450,000 £2,452 £450,001 - £500,000 £2,684 £500,001 - £550,000 £2,916 £550,001 - £600,000 £3,147 £600,001 - £650,000 £3,379 £650,001 - £700,000 £3,610 £700,001 - £750,000 £3,842 £750,001 - £800,000 £4,074 £800,001 - £850,000 £4,305 £850,001 - £900,000 £4,537 £900,001 - £950,000 £4,768 £950.001 - £1,000,000 £5,000 £1,000,000+ 0.50% of investment • Where we are subsequently required to advise on additional investments: Per amount of additional investment Charge rate £50,000 £400 • To provide continuing oversight: Value of investments Charge Rate Minimum charge Charge rate 0.50%pa of investment value £250pa As an example - Let us say you were to ask us to establish or takeover investments to the value of £100,001. The cost of initial advice, including any transactions you required us to undertake, would be £1063. The subsequent annual cost would depend on how much your investments increased or reduced in value, for example: • If the value of your investments remained at £100,000: £500pa • If the value of your investments grew by 5% to £105,000: £525pa • If the value of your investments fell by 5% to £95,000: £475pa Please note - You are able to cease further charges at any time, subject to confirming this in writing to us. Page 24 of 34 General Disclosure Document 23/3/2022
Our customer proposition for ‘Pension Transfers’ This service is suitable for customers who require advice on whether to transfer the value of pension benefits built up under an employer’s occupational pension scheme to another type of pension arrangement. This service is not suitable for customers who require a transfer to be undertaken irrespective of the risks and consequences, or who require limited advice. We operate a fully non-contingent charge for this service. This means that the charge remains the same whether we advise you to transfer your pension benefits or retain your existing pension entitlement. The purpose of the service is to advise you on whether your interests are best met by transferring or retaining your pension entitlement. Critical considerations will include the extent to which you are capable and comfortable in understanding the risks and consequences of what is a complex and potentially risky transaction. We will establish the value of benefits provided by the scheme and compare this against the amount of money that the scheme would be prepared to transfer to another pension arrangement in lieu of those benefits. We will consider the extent to which a transfer might affect the value of the benefits you would receive on retirement, as well as those that would be payable to your dependents in on your death. We will determine the overall level of income you may require in retirement and how this is likely to be split between essential domestic and non-essential lifestyle related expenditure. We then advise the earliest date at which retirement could reasonably be considered. Where a transfer is recommended, we will advise on how a portfolio of investments can be constructed to provide a potential for growth that is consistent with both the target retirement income, as well as your tolerance to investment risk. We will also consider the range of personal pension products that could be utilised to hold these investments, taking account of the cost and requirement for flexibility. Once our advice has been provided to you, we will meet with you and resolve any further queries you may have. Page 25 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 and 10: Our approach to advice We believe i
Page 11 and 12: What financial matters do we advise
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: Our customer proposition for ‘Sin
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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