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Financial Consultancy

Fiduciary Wealth Team

REVIEWED YOUR INVESTMENTS LATELY?

PAYING TOO MUCH FOR YOUR LIFE COVER?

CHECKED THE PROGRESS OF YOUR RETIREMENT PLANS?  

LOOKING FOR A BETTER MORTGAGE DEAL?  

At Fiduciary Wealth Management we offer a unique fee based service where we will review all the policies and plans you have accumulated and by assessing your individual needs and circumstances we can advise on which are appropriate for your current situation and which are surplus to requirements or need amending. Think of it as spring cleaning for your finances. We all accumulate financial baggage, investments that underperform, policies that no longer match your current requirements, the best mortgage deal that now is uncompetitive but how many of us actually do something about it?

Have you reviewed how much life cover you need and checked that your premiums are competitive? Wouldn’t it be good to speak to an adviser who is independent and can offer you a full suite of products from the most competitively priced to those with the highest quality of cover? What about your private medical insurance cover or household insurance when was the last time you reviewed these policies?

Have you checked that  your  pension  plans are sufficient to provide you with the income you hope to achieve at retirement? Are you making the most of the tax reliefs available to you? Are you planning to retire abroad and want to know whether a QROPS is the right option for you? Wouldn’t it make sense to review your retirement plans with an experienced adviser?

How your financial assets perform may have serious implications for your financial health or that of your business. At Fiduciary Wealth we can review performance relative to agreed benchmarks or other investment managers to determine how effective your mandate has performed. In addition to analysing manager performance we are able to risk profile and assist with asset allocation modelling, define objectives, set performance standards, design or review investment mandates and negotiate management fees on your behalf. Essentially we are able to provide a portfolio performance monitoring function that involves evaluating and monitoring as well as overseeing the management and progress of your portfolio.

Have you become asset rich and cash poor and need to release equity from your property or restructure your borrowing requirements on your UK or overseas property? How can you achieve this when lenders are making it more and more difficult for individuals to raise finance? What about remortgaging to achieve a better rate of interest or better terms than those offered by your current lender, wouldn’t it be worth your while finding out if this were possible?

A full financial review will allow us to examine your overall financial position and instead of looking at one area in isolation will enable us to provide you with the complete picture, highlighting those areas where action is needed. Why waste  time  and  money on inappropriate policies, underperforming investments or costly mortgages? Take action and together we can aim to improve your financial health.