Our premium financial planning proposition available to those with accumulated assets.
Minimum assets under management (AUM) £500,000.
Premium Advice Process
We do what we do well. As a result of being part of an advisory group with over £2bn worth of assets under management, our premium proposition gives clients with over £500,000 assets under management, access to market leading products and services, at very competitive prices.
The process is split into four inter-dependent phases. We are confident in our service and the value we add, therefore, unlike some of our best known competitors, there is never any obligation to proceed to the next stage and/or any exit charges.
Initial Contact & Discovery Meeting
Initial contact can be made in person, over the phone or via email.
We will have an informal discussion and where appropriate arrange a discovery meeting, to decide how best to proceed.
There is no obligation. This is at our cost.
Factfind & Recommendation(s)
Once a client agreement is signed, we will gather the information from you and your existing plans (where applicable).
We will formulate our recommendation(s) and provide you with a Suitability Report.
This report is chargeable.
Implementation
Our report may recommend solutions managed by Highclere Wealth.
Should you wish us to proceed, we put in place our recommendations for your and your family’s benefit.
The implementation is chargeable.
Ongoing Relationship
The ongoing service offers the greatest value to our clients, providing annual review meetings, ongoing oversight, and access to very competitive provider and investment terms.
This service is offered to clients with a minimum of £500,000 assets under management.
The Value of Advice
Financial advice is valuable, the earlier you get it, the better.
Financial advisers add value by ensuring that client assets are invested appropriately, in the right place, at the right level of risk, and at the right time, and their families’ circumstances.
The most common objective? Ensuring our clients have funds to maintain their lifestyle throughout their lifetime & ensure that the balance is left efficiently to future generations.
For the avoidance of doubt, investment returns are an important part of wealth planning, it is however, the planning that sits around it that invariably makes the biggest difference.
Areas of Advice
What can we help with?
Our typical approach is to take a view of a client’s assets, circumstances and goals, then formulate and present an overall plan in straightforward terms.
More specifically a non-exhaustive list of the types of subjects we advise on include:
- Cashflow Forecasting
- Retirement Planning
- Pensions
- Investments (e.g. ISA/GIA/Bonds)
- Cash Management
- Generational Planning (Inheritance Tax Planning)
- EIS/VCTs (Tax advantaged investing)
- Insurances
Note: With investing, your capital is at risk, so the value of your investments can go down as well as up, which means you could get back less than you initially invested.
Our Approach to Fees
Transparent. Upfront. Fair Value.
Financial advisers are obliged by the Financial Conduct Authority (FCA) to assess the fair value of their charges. We have always considered our charges against our cost base; the value we add; and our peer group, with the goal of representing excellent value.
Report Fee
We charge a standalone fee for formulating our advice and presenting our recommendations.
This enables our advice to be ‘non-contingent’. In short, this means we can be entirely impartial in our recommendation and still cover our costs. This is a preference of the FCA.
This fee is always disclosed in advance.
Implementation Fee
We may recommend solutions managed by Highclere Wealth on an ongoing basis.
When you ask us to proceed, there is an implementation fee to put these recommendations in place.
This fee can be paid for directly, or more commonly, through the investment product.
This fee is always detailed in the report.
Ongoing Fee
Where we manage assets for the client on an ongoing basis, we levy an annual fee.
We are confident this fee represents excellent value, indeed it is below our peer average.
This fee is invariably paid for through the investment plans.
This fee is always detailed in the report.
Contact Us
Highclere Wealth are committed to being approachable and open.
If you have any questions or comments, or would like to arrange a discovery meeting with our advisers please get in touch.
7 Lower Woodspeen Court
Lambourn Road
Newbury
Berkshire
RG20 8BL