Alpha
Partnership
Independent Financial Advisers
Our Services
Our Services
Financial Planning
We offer independent investment advice, which means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.
Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We will consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand
Pensions
It's important to know whether the money you are saving towards retirement will provide you with sufficient funds to meet your retirement objectives.
More than any other form of savings, pensions benefit from significant tax breaks which will help your savings to grow quicker. We work with you to proactively plan for your retirement and help you decide on the options available once at retirement
Wealth Management
The right investments can assist you in growing your wealth and protecting it against inflation. We offer a wide range of funds to choose from, along with expert advice that will help you build an appropriate portfolio
Family Protection
Life assurance cover protects you against unforeseen life events, and allows you to secure your family's financial future in the event of your death. Types of cover include:
- Level term insurance guarantees a fixed lump sum paid out to your dependants if you die within the term of the policy
- Decreasing term insurance is mainly used to provide cover for a repayment mortgage or loan that decreases over time, with the mortgage amount being repaid if the policy holder dies
- Critical illness cover pays out a lump sum in the event of a serious illness (cancer, heart attack, stroke etc).
- Income protection replaces part of your income if you cannot work through illness
Financial Reviews
Our ongoing annual review service is designed to make sure that your investment portfolio stays on track to meet your financial goals. This service includes:
- An annual face to face or telephone meeting at a time and place of your choice with your adviser (or more regularly for Premier Wealth Management Clients)
- A review of your financial goals and objectives
- Current valuation of your investments
- Reviewing how your investments are invested
- Assessing the potential impact of key events on your plans
- Implementation of agreed changes
- A comprehensive report setting out the results of the review and confirming any changes made
- Access to our client team who will respond and deal with ad hoc queries
Our Philosophy
Quality
Clients come to us on the recommendation of other satisfied clients and a range of professional advisers, and stay with us because we deliver on our promises. They value and appreciate advice that comes from a long term relationship provided face to face either in our offices, at their home or place of work, at a time convenient to them
Personalised Service
We provide a highly personalised and bespoke service that focuses on your individual needs and aspirations; we look to find solutions to protecting, growing and preserving your wealth, with a careful eye on wealth preservation and not just wealth accumulation
Clear & Transparent Charging
We charge fees for our Professional Services, which include advice, implementation and review. These fees are based on the time required to provide advice and service to you, and the level of expertise and responsibility involved. We will not charge you until we have agreed with you how we are to be paid
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit
www.financial-ombudsman.org.uk