What we can do for you - Our services...
Investments
We currently provide advice on all forms of investment, other than individual stocks and shares. In a rapidly changing investment world, we find it essential to 'think outside of the box' when it comes to asset allocation, whilst at the same time always ensuring that client risk is controlled. We do not believe in merely sticking to industry recognised benchmarks over a period of time, but will try to identify how clients' wealth can be protected from losses as far possible, but at the same time also identify when specific assets look good value and recommend tactical switches whenever possible.
Pensions
We can advise on all matters regarding both Corporate and Individual Pensions including Occupational Pensions and transfers. Advice is available on the full range of retirements options, including conventional, With-Profits and unit-linked annuities; alternatively secured pensions (income drawdown) and so called 'third-way' retirement products.
Protection
Advice is given on the full range of life and health protection options for both Corporate and Individual solutions.
Loans
We do not provide advice on either Mortgages or Equity Release, but we can suggest alternative Independent Financial Advisers who can carry this work out on your behalf.
Ongoing Levels of Service
We offer five levels of service and these are available to all clients, albeit with minimum annual fee levels.
Trevaunance
This service is available to all clients. We will carry out an annual valuation of investments held. An adviser will review these investments in light of your attitude to risk and current economic conditions. We will then contact you to either confirm that your investments remain suitable, or to inform you that changes should be considered.
In the latter case we will invite you to contact us to review your circumstances and objectives and either confirm that your investments remain suitable, or inform you that changes should be considered.
Prussia
We will carry out an annual valuation of investments held. An adviser will review these investments in light of your attitude to risk and current economic conditions. We will then contact you to either confirm that your investments remain suitable, or to inform you that changes should be considered.
In the latter case we will invite you to contact us to review your circumstances and objectives and either
confirm that your investments remain suitable, or inform you that changes should be considered.
In the interim period between appointments, an adviser will continuously review your investments in light of your attitude to risk and current economic conditions. Should we judge that changes should be made to your portfolio, we will contact you recommending an appropriate change and facilitate the necessary administration to undertake these changes.
Please note this service is available by e-mail only.
Kynance
We will carry out a bi-annual valuation of investments held. An adviser will review these investments in light of your attitude to risk and current economic conditions. We will then contact you to arrange an appointment to discuss performance of your investments relative to your objectives. We will review your circumstances and objectives and either, confirm that your investments remain suitable, or inform you that changes should be considered. In the interim period between appointments, each quarter, an adviser will review the performance of individual funds you are holding in relationship to suitable benchmarks. We will contact you if we judge that relative performance of any funds is unacceptable and provide advice on alternative options.
Penberth
We will carry out a bi-annual valuation of investments held. We will then contact you to arrange an appointment to discuss performance of your investments relative to your objectives. We will review your circumstances and objectives and either confirm that your investments remain suitable, or inform you that changes should be considered.
In the interim period between appointments, an adviser will continuously review your investments in light of your attitude to risk and current economic conditions. Should we judge that changes should be made to your portfolio, we will contact you recommending an appropriate change and facilitate the necessary administration to undertake these changes.
Porthgwarra Ethical
This service uses funds predominantly screened by Ethical Investment Research Services (EIRIS) Ltd. We will carry out an annual valuation of investments held. We will then contact you to arrange an appointment to discuss the performance of your investments relative to their objectives.
We will review your circumstances and objectives
and either confirm that your investments remain suitable, or inform you that changes should be considered. In the interim period between appointments, an adviser will continuously review your investments in light of your attitude to risk and current economic conditions. Should we judge that changes should be made to your portfolio, we will contact you recommending an appropriate change and facilitate the necessary administration to undertake these changes.
