Welcome to Plain Savings’ Ongoing Advice Service
Your Investment Journey Requires Consistent Oversight
Investing in pensions, ISAs, or general assets requires more than just an initial setup; it necessitates continual monitoring and adjustment. Here’s why:
- Dynamic Markets: Investment markets are highly responsive to economic and political shifts. An attractive option today might not hold the same value tomorrow.
- Personal Changes: Life changes. So might your financial goals and circumstances. Regular reviews ensure your investment strategy aligns with your current needs.
- Risk Tolerance: Your comfort with risk can change over time. It’s crucial that your investments reflect your current stance.
- Proven Success: Data consistently shows that investments managed with ongoing advice from financial professionals outperform those without such support.
What Does Our Ongoing Advice Service Include?
We are committed to providing a comprehensive ongoing advice service, which is essential to both your financial success and our standards of care. We believe in active management and regular interaction, not set-and-forget solutions.
Annual Financial Review
- Assess changes in your personal circumstances, needs, and objectives.
- Evaluate your current attitude toward risk and capacity for loss.
- Consider the impact of tax changes and new legislation.
- Ensure the ongoing suitability of your investments with personalized recommendations.
Bi-Annual Internal Investment Review
- We continuously monitor your portfolio to ensure it aligns with your objectives and performs as expected.
Unlimited Access to Expertise
- Enjoy ongoing, direct communication with a qualified financial adviser.
- Benefit from prompt telephone or email responses within our working hours.
- Schedule online or face-to-face meetings with your financial adviser at no extra cost, with no limit on frequency.
Transparent Pricing
Our ongoing advice service is priced at £450 per year. An additional fee of £100 annually applies for pension drawdowns and ongoing retirement planning. Fees can be paid monthly from your investment or pension funds, which allows you to see the net performance of your investments after all costs.
- Review and Adjust: Every third year, we review our fees based on the retail price index to ensure they reflect cost increases due to inflation.
Flexibility to Change
You are free to discontinue our services at any time without notice or penalty, should you decide you no longer need our ongoing support.
Your Financial Success is Our Commitment
At Plain Savings, we don’t just manage your investments; we nurture them. Our ongoing advice ensures you feel confident and informed about your financial decisions every step of the way.