Services

Lifestyle Financial Planning

Our Lifestyle Financial Planning Service is tailored to fit your personal situation but would include the following:

  • Financial Audit – This starts with us gathering information about you, your attitude to risk and your financial situation. We then prepare a financial analysis with the aid of our sophisticated cashflow modelling software. This will identify any areas where your existing arrangements may be insufficient to meet your objectives. The audit will include a review of your protection and retirement planning, savings and investments and estate planning.
  • Protection Review – Providing a check of current levels of cover to protect you in the event of death or ill health.
  • Pension Review – Exploring your existing pension arrangements to see if you will have sufficient income in retirement to fund your desired future lifestyle.
  • Investment Review – An analysis of any investments you have to ensure they are commensurate with your attitude to risk and your objectives.
  • Review Your Retirement Options – We will fully explain all of your options at retirement, including flexi-access drawdown, phased retirement and annuity purchase.
  • Estate Planning Review – We will examine your wills and trust arrangements to make sure they are current and legally valid. We will also look at your existing pension and life assurance contracts and ensure they are appropriately written in trust so that Inheritance Tax is mitigated. The Financial Conduct Authority does not regulate Wills, Trust and Tax advice.
  • Annual Forward Planning Service – Once you become a client of Fraser Wealth Management our job is to give you peace of mind that you can live the life you want, without fear of ever running out of money. Every year we will update your cashflow model, review the suitability of your investments and consider any changes you may need to make to your financial plans to keep you on track to meet your objectives.
  • Family and Professional Update – We will discuss any financial issues affecting your family and provide updates to your professional advisers as appropriate, including your accountants and solicitors.
Diamond Programme

Diamond clients are offered a bespoke service, that typically includes quarterly Review and Forward Planning meetings, which include annual cashflow modelling updates, a report on the ongoing suitability of their investments and ongoing advice provided by two Chartered Financial Planners.

This level of service typically involves us managing funds in excess of £10,000,000 for a client.
Platinum Programme

Platinum clients are offered half yearly Review and Forward Planning meetings, which include annual cashflow modelling updates, a report on the ongoing suitability of their investments and ongoing advice provided by two Chartered Financial Planners.

This level of service typically involves us managing funds in excess of £1,000,000 for a client.
Gold Programme

Gold clients are offered annual Forward Planning meetings, which include cashflow modelling updates, a report on the ongoing suitability of their investments and ongoing advice provided by a Chartered Financial Planner.

This level of service typically involves us managing funds in excess of £400,000 for a client.
Silver Programme

Silver clients are offered biennial review meetings, an annual report on the ongoing suitability of their investments and ongoing access to a Chartered Financial Planner.

This level of service typically involves us managing funds in excess of £200,000 for a client.
Bronze Programme

Bronze clients are offered an annual report on the ongoing suitability of their investments.

There is no minimum for this level of service.