• Tel: 0121 7453211
  • Fax: 0121 7453212
  • Yorkshire House, 9 Stratford Road,, Shirley, Solihull,, West Midlands
  • B90+3LU


Consumer Duty

Our Duty To You

We believe that professional financial advice can add significant value to investments and plans. We therefore aim to provide this professional advice with a comprehensive planned ongoing review service designed to create and add real value for you.

Our Aims

Our aims are to put you at the heart of what we do and to act in your best interests.

In trying to achieve these aims we try to ensure that the products we recommend for you and the service we provide meet your needs and provide fair value for money so that you achieve good outcomes which are in your best interests.

The Main Principles

These can be summarised as:-

To act in good faith at all times: being clear and transparent with you, understanding your aims and needs, explaining how any plan put forward will help you to achieve those aims and needs, and providing an ongoing service so that your needs continue to be met.

To take all reasonable steps to avoid foreseeable harm to you: of course, when considering investments for example there is always the chance that values can fall as well as rise and you could get back less than the amount you invested. However, we try to assess the risks you are prepared and able to take within our recommendations so that you are aware of possible outcomes and together we can take appropriate action for your circumstances.

To take all reasonable steps to enable you to pursue your financial objectives: understanding what you are aiming for, explaining the options and the costs, risks and benefits attached to these options, and delivering the right options which provide fair value and which meet your needs.

How We Go About This

We consider the following in advising you:

Aims 

The Outcomes

Considering your needs and requirements.

This involves an analysis of your financial circumstances, aims and needs, incorporating initial meetings and the gathering of sufficient relevant information about you and your goals. This is the base information we require to be able to provide our initial recommendations.

What are your objectives, your attitude to risk, the need for risk, can you afford to take risk and possibly incur losses, your knowledge and experience.


  • A full agreed understanding of your aims and needs to ensure our understanding matches.
  • A focus on potential outcomes.
  • Knowing the limitations in what you are trying to achieve.

Options

The details of the options available to you are set out clearly.


  • Options available are clearly explained and why.
  • You understand the options.
  • The costs, risks and benefits of the options are clearly set out.
  • Why the options may be right for you in terms of meeting your needs and offering fair value.

Recommendations

The provision of a recommendation from the options provided.

Why we think the recommendation is right for you in terms of your aims, barriers, value for money and capacity for loss.


  • Clear communication to you of why.
  • An understanding of why the recommendation may be right for your needs given your aims.
  • An understanding of how the recommended plan works.
  • An understanding of any limitations.
  • An understanding of what losses could arise.
  • Whether the recommendation is fair value.
  • You know what happens if you want to change your plan, or surrender it.

Our Service To You

We set out what we do after implementing a plan, the service we provide and the levels of service you can expect.


  • An understanding of what we do after implementing any plan.
  • A known updating service.
  • Avoiding any barriers to actions that could cause you harm through cost, delay or stress.
  • Ongoing advice taking into account changes in your circumstances.
  • Providing a service even if you wish to exit a plan.

Price and Value

We explain the costs involved in any plan or advice so that you are aware of these from outset and what advice and service you will receive in return.


  • A clear understanding of the costs involved in any plan or advice.
  • You will know what are you getting for the product and service, and why it is value for money.
  • You can check whether you are getting the service expected.