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A professional business
With private investment clients, our
business model is a little different from the norm and is geared to delivering
value and quality in an environment where long-term relationships can be
fostered – to the benefit of our clients and the development of our business.
Traditional Model
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AFWM Model
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Dependency on commission paid by product providers.
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Fees for unbiased, dynamic advice.
Fees for ongoing services.
(Where financially advantageous for clients, we discuss
appropriate re-investment or fee-offset of any commission payable on
transactions).
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Focus on “off the shelf”, manufactured products.
(Predominance of Investment Bond recommendations leave
businesses open to accusations of product bias).
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Truly independent, “whole of market” access, advice and
investment choice.
(Including OEICS, Unit Trusts, Investment Trusts, High
Interest Accounts and National Savings).
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Perceived low value of (free) advice by clients.
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Full personal “fact find” and bespoke report and plan establishes
the basis of each of our client relationships.
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Services contract confirms nature of client relationship.
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Business driven by need for new sales.
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Organic growth fuelled by strong, trusting long-term
client relationships and on reputation and referrals from satisfied clients.
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Low standards of professional qualification.
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Advanced professional qualifications and internal
assessments.
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Predominance of generalists and “Jack of all trades”.
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Specialist consultants supported by extensive central
support teams (training & development, legal & regulatory compliance,
technical, audit and marketing).
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Our business model reinforces our
aspirational business vision:
“… to be seen
and recognised as the benchmark within the IFA community, delivering the very
best of available financial planning solutions and high levels of trust with
private clients.”
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