Q&A

How do I arrange an initial meeting?

Please give us a call on 01635 423 28 to arrange a discovery meeting. Alternatively you can email us at info@highclerewealth.com.

We will have an initial conversation and arrange a time to hold a discovery meeting.

These meetings can be in our offices or online.

They are no obligation and offered free of charge. If you are unsure, just ask, it’s good to talk.

What products do you advise on?

Our approach is to get an overview of our clients’ assets, circumstances, and goals and then proceed to considering which products/solutions are appropriate. It is often the case that multiple solutions are advisable for example contributing to a pension, an ISA and a bond.​

The purpose of a financial adviser is two-fold:

First: help our clients enjoy financial confidence and security.

Secondly: ensure that the amount you receive during your lifetime, plus that which is gifted away or received by your beneficiaries on death, is greater than it would have been had you not received advice.​

A non-exhaustive list of the products/solutions we advise on to achieve this includes:

• Pensions (SIPP/PP/GPP/SSAS)
• Individual Savings Accounts (ISA/LISA)
• Junior Individual Savings Accounts (JISA)
• General Investment Accounts (GIA)
• Collective Investment Accounts (CIA)
• Enterprise Investment Schemes (EIS)
• Venture Capital Trusts (VCTs)
• Business Relief Assets (BR)
• Trusts (e.g. DGT/ Loan Trust)
• Onshore Bonds
• Offshore Bonds
• Insurance (e.g. Term / WOL)

Why do you limit the premium ongoing advice service to family clients with assets in excess of £500K?

We aim to provide a comprehensive service to clients and add value to their circumstances, whilst remaining commercially sound ourselves. We utilise technology where appropriate, but we find there are natural capacity limits, whilst maintaining the level of service our clients expect.

What do you mean by advising a family?

The majority of our clients join us mid or late career, but we are delighted to view their immediate families as part of the advice process. This will include financial planning across generations and where appropriate, achieving financial benefit through the aggregation of assets with various product and investment providers.

Do you add value?

Our reason for existence is to add value to client circumstances. At outset it is impossible to guarantee that value will be added but we have a long track record of clients remaining with us over many years. Value can be subjective or objective, but in our opinion, value is best preserved or increased by following simple plans, that are regularly updated and reviewed.

What are your fees?

We are confident in the value of our fees, that our fees are very competitive, and believe firmly in transparency. Therefore unlike most Wealth Managers our fees are fixed and published below.

Discovery Meeting
The discovery meeting is free of charge. There is no obligation.

Report Fee
After that, our report fee is £525.00 + VAT.

​This fee covers the cost of writing the report only. It does not cover costs associated with advice, research and/or expertise.

Implementation Fee
Our report may recommend products managed by Highclere Wealth.

When you ask us to proceed with the recommendations, we charge an implementation fee of 2% on the first £500,000 invested, and 1% on the next £500,000.

This is the fee for the advice, research, expertise and putting in place our recommendations for the benefit of you and your family. This is our fee for the value we add.

​Annual Fee
When we manage your plans on an ongoing basis, our Annual Fee is fixed at 0.75%.

How are fees paid?

Report & Implementation Fees can be paid directly, or through your plans.

Annual Fees are paid through your plans, unless otherwise agreed.

Is there a tie in period or cancellation fees relating to your advice?

No. We do not charge any cancellation fees. nor are there any tie-in periods.

You will invariably receive preferential rates from providers through the ongoing service with Highclere Wealth, it is likely you would no longer receive these terms with the providers if you ceased being a client of Highclere Wealth.

The products we recommend may have specific terms, on occasion these may include exit fees or tie in periods, we will make you aware of this at the outset.

Can my products consider their impact on the planet and society?

Yes – we are proud to be able to offer a range of solutions that do just this.

There is a spectrum of sustainable investment. We are able to advise on products throughout it. Please read more about our position on the investment page of our website.

Are you limited in the services you can provide to clients due to your boutique approach?

Absolutely not, we have access to the widest range of products and investment providers. As we are part of the wider Oculus Wealth Management business, we are able to pass on enhanced terms in many cases and demand excellent support for our clients from providers.

How do you use cashflow modelling?

The majority of clients’ objectives are future based and often they can be in conflict with each other. Straightforward modelling allows use to regularly put these objectives into a single picture which helps to inform current actions to achieve future objectives.

Why do you focus on advising Successful Family Businesses and Professionals in Practice?

Over many years we have naturally worked with these two groups, based probably on levels of mutual understanding and similar circumstances. That said we do have clients with different backgrounds who are very much welcomed.

Why should we entrust our financial and wealth management to a boutique family business?

We would maintain that our client relationships with clients are strong because as a self-owned and managed business, we truly care for our clients. Formally we have the same protections for clients as available through larger national firms.