2022-03-22 GDD

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How much does it cost? • The following charge covers the research, preparation and issuing a written report setting out our advice. In the event that we recommend a transfer, it also covers our carrying out that transaction on your behalf: Transferred pension fund Charge rate £0 - £249,999 £2,400.00 £250,000 - £499,999 £2,900.00 £500,000 - £749,999 £3,400.00 £750,000 - £999,999 £3,900.00 £1,000,000 - By arrangement As an example - Let us say you were to ask us to advise on a transfer of £100,001, the cost of advice and any transactions you required us to undertake, would be £2,400. Page 26 of 34 General Disclosure Document 23/3/2022
Our customer proposition for ‘Pension Planning’ This service is suitable for customers requiring ongoing advice and oversight of their pension fund investments, as well as those wishing to make new pension contributions. This service is not suitable for customers intending to hold pension fund investments within a single asset type or through a discretionary manager. It is also not suitable for customers requiring limited or one-off advice. We will take over servicing of an existing pension fund and make necessary recommendations to ensure it is consistent with the customer’s tolerance to risk and requirement for future returns. We will forecast the likely value of your pension fund and the benefit this may provide on your retirement. We will then compare this against your need for income at that point and identify any risk of shortfall. We will also examine features, charges and financial strength of the providers with whom your pension fund is invested to determine the extent to which these meet your needs. We will also determine whether effectiveness of the investments selected those products to establish whether they provide the optimum potential for future returns. Once we have provided our advice, and we have received instructions on how the customer wishes to proceed, we will then arrange for the agreed transactions to be carried out. Where you have asked us to provide continuing oversight, we will also: • Forward any relevant communications received from product providers from whom you have transferred servicing rights responsibilities to us. • Monitor any changes in legislation, tax allowance, product terms and product provider status and notify you where these impact on those objectives, attitude to risk and personal circumstances you have notified to us. • Undertake a formal review of our original advice and recommendations at intervals of twelve months. • Calculate and provide you with a valuation of your investments at quarterly intervals. • Advise you on rebalancing your investments and review the suitability of each investment in your portfolio at six monthly intervals. Page 27 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 and 24: Our customer proposition for ‘Sin
Page 25: 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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