What We Offer

We consider the bedrock of all family financial planning is to have suitable protection plans in place. As you travel through the different phases of life this moves on to savings and investments, retirement, inheritance tax planning and long term care fee funding.

Our team is built on specialists with relevant areas of expertise, backed up by qualified and dedicated administration support team.

Our Process:


The service we offer is broken down into five stages as follows;

• An initial consultation followed by a written summary of our meeting

• Analysis of the information gathered, develop and present our recommendations

• A review meeting and recommendations

• Implementation process

• Ongoing review service

Initial Consultation:

The purpose is to identify your needs and objectives, pinpointing the relevant facts and information. Outline our services and costs and establish the basis on which you would wish to proceed.

Review and Recommendation:

A meeting to present our analysis and findings and put forward our recommendations as to how to meet your aims and objectives.

This could be on a specific issue or an overview of your entire financial situation.

Our areas of expertise, which may involve different specialist advisers are detailed in our Financial Planning pages.

 Personal Client Proposition

 To benefit from a high quality regular service covering all aspects of financial advice for private clients and businesses, it is important to be part of a Personal Client Proposition/Programme.

By joining our Client Service Programme we believe you will have the peace of mind, security and confidence from the knowledge that your financial plans are being reviewed regularly by a long established professional firm.

 We offer a number of different levels of service, we will discuss these options with you to ensure the most appropriate service is chosen to suit your on-going financial needs.

 

Comprehensive

Is this service suitable for you?

 

Typically, you are likely to have significant capital and are seeking proactive wealth management strategies that will help optimise your financial position.

 

Being kept informed of market-related issues with regular feedback on the progress of your investments is considered important.

 

SERVICES

DESCRIPTION

Ongoing Meetings

Annual review meeting

 

You will be entitled to a minimum of one face to face meeting per year, during which, we will complete a review of your circumstances, needs, priorities and establish whether your current investments remain suitable.

 

We will confirm your financial objectives in order to establish any changes in your capital or income requirements.

 

We will discuss investment market conditions and your specific attitude to risk.

 

At your request we can also consider any other financial needs you may have.

 

Review Service

Information

 

Half-yearly valuations and review and monitoring of your investment portfolio with performance summary, current market issues and any other matters of the moment.

 

Annual investment portfolio report.

 

Reporting

Annual review report

 

Following our annual meeting, we will provide a report confirming our discussions, summarising our findings and outlining any recommendations we may make.

 

 

Investment Management

Investment portfolio management

 

Having thoroughly re-established your circumstances, objectives and goals, we will continue to tailor your investment portfolio to your individual requirements, appropriate to the level of risk you are prepared to take.

 

Where necessary we will contact you to discuss any required changes to your portfolio.

 

Contact

Telephone / email direct access to adviser

 

You will have direct telephone or email access to your adviser and the City & Trust team during working hours for personal assistance.

 

Where appropriate, we may suggest an ad hoc meeting for more complex concerns.

 

Administration

Client file retention & maintenance

 

We will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.

 

Forward provider correspondence

 

We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.

 

Professional Services

Liaising with 3rd party professionals

 

Where required we will liaise with your other professional advisers e.g. solicitor and accountant to co-ordinate your affairs, ensure consistency of approach in related matters and provide relevant updates.

 

End of tax year information service

 

Where relevant, we will assist you with any information required in relation to your end of tax year return, which will be shared with your accountant, as required.

 

Cost of this service

 

1% a year based on the value of your investments.

 

For example, based on an investment of £350,000 our charge would be £3,500 a year.

 

Subject to a minimum cost of £2,000 a year.

 

 

 

 

Classic

Is this service suitable for you?

 

 

'Classic' is designed for clients who may not need a meeting each year, although require access to a valued resource for help and involvement with their financial plans and their execution, should the need arise.

 

This service strikes the perfect balance between personal control and professional support. Typically, you will have a reasonable understanding of investment principles, including the importance of balancing risk and opportunity. You would probably welcome a periodic communication to discuss your investments.

 

SERVICES

DESCRIPTION

Ongoing Meetings

Review meeting

 

You will be entitled to a one face to face meeting every year, during which, we will complete a review of your circumstances, needs, priorities and establish whether your current investments remain suitable.

 

We will confirm your financial objectives in order to establish any changes in your capital or income requirements.

 

We will discuss investment market conditions and your specific attitude to risk.

 

At your request we can also consider any other financial needs you may have.

 

Review Service

Information

 

Annual review and monitoring of your investment portfolio with performance summary, current market issues and any factual amendments.

 

Annual investment portfolio report.

 

Reporting

Post review report

 

Following our meeting, we will provide a report confirming our discussions, summarising our findings and outlining any recommendations we may make.

 

Investment Management

 

Investment management

 

 

 

Having thoroughly re-established your circumstances, objectives and goals, we will continue to tailor your investments to your individual requirements, appropriate to the level of risk you are prepared to take.

 

Where necessary will contact you to discuss any required changes to your portfolio.

 

Contact

Telephone / email direct access to adviser

 

You will have direct telephone or email access to your adviser and the City & Trust team during working hours for personal assistance.

 

 

Administration

Client file retention & maintenance

 

We will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.

 

Forward provider correspondence

 

We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.

 

Cost of this service

 

0.5% a year based on the value of your investments.

 

For example, based on an investment of £250,000 our charge would be £1,250 a year.

 

Subject to a minimum cost of £750 a year.

 

 


 

 

Choice

Is this service suitable for you?

 

'Choice' is suitable for individuals who value the benefits of receiving full advice in order to meet their financial needs, but, for whatever reasons do not wish to have the option of a regular review discussion. We will however maintain contact with you remotely via phone, email or post where appropriate. 

 

SERVICES

DESCRIPTION

Review Service

Information

 

Annual valuations

 

Contact

Telephone / email direct access to adviser

 

You will have direct telephone or email access to the City & Trust team during working hours for your personal assistance.

 

Administration

Client file retention & maintenance

 

As necessary we will update your file and hold it securely, in accordance with our data protection policy and regulatory requirements as a very minimum standard.

 

Forward provider correspondence

 

We will forward any correspondence concerning your investments to ensure you are kept up to date with their performance and current value.

 

Cost of this service

 

0.5% a year based on the value of your investments.

 

For example, based on an investment of £75,000 our charge would be £375 a year.

 

Subject to a minimum cost of £250 a year.

 

 

 

If you have a more Bespoke requirement, please discuss this with us. A number of our clients do operate on this basis.

 

 

 

 

CITY & TRUST FINANCE LIMITED is authorised and regulated by The Financial Conduct Authority. CITY & TRUST FINANCE LIMITED is entered on the FCA register (www.fsa.gov.uk/register/) under reference 133462.

The Financial Conduct Authority do not regulate Will Writing, Loans, Credit Cards, or some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.