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You can contact us on 01633 859555 or [email protected]. Initial meeting is free of charge.

Introduction

We will always tell you exactly how much you will pay before you agree
to proceed with our services.

Our standard fees are set out in this document. A set fee may be agreed, depending on your
specific circumstances and the complexity of the work involved.

Enclosed with this document should also be a consent form for t he agreed charging method
and fee which we will ask you to sign. The agreed fee may be paid by invoice or provided by an
adviser charge from your investment or pension and paid by the product provider, if a product is
implemented for you.

We will not receive commission from Investment and Pension companies for any policies we
arrange with them.

For Non-Investment Protection and General Insurance, we have the option of receiving
commission from insurance companies. Unless otherwise agreed, we will accept this commission
in lieu of charging a fee for arranging your insurance product.

Detailed Investment Analysis

We offer a set fee to analyse 3 or more different types of investment products, produce a report
and make a recommendation on the options available to you. The fee includes:

  • Initial meeting and completion of a full fact find, looking at current assets and liabilities, and incomes and expenditures, as well as expected changes in the future
  • Discuss what your aims and plans are for the future
  • Discuss your Attitude to Risk and your Capacity for Loss
  • Conduct a detailed analysis of all your investment products
  • Create a cashflow scenario report of your current situation – this will determine whether you have enough money to survive now post pro-career into retirement
  • Create a second cashflow scenario report - model scenario 2 – which involves putting in place various options to determine whether you have enough money to survive now and if you were to have to retire early through injury etc.
  • Create a third cashflow scenario report - model scenario 3 – which involves replicating model scenario 2 but applying a Stress Test. This will look at investment volatility and determine whether you’d have a problem in the event of a market downturn
  • We will write you a suitability report making our recommendation
  • We will sign any paperwork required to confirm we have provided you with appropriate financial advice
£2,500

Simple Investment Analysis

We offer a set fee to analyse 1 to 2 different types of investment products. The fee includes:

  • Initial meeting and completion of a full fact find, looking at current situation as well as expected changes in the future
  • Discuss what your aims and plans are for the future
  • Discuss your Attitude to Risk and your Capacity for Loss
  • Conduct a detailed analysis of your 1 - 2 investment products
  • Create a cashflow scenario report of your current situation – this will help you understand whether you have enough to live on if you had to retire early/or when you decide to help plan for full retirement SSP
  • Create further cashflow scenarios
  • We will write you a suitability report making our recommendation appropriate financial advice
£1,500

Cashflow Planning

Cashflow planning can help you assess your current financial situation as well as looking at how
your income and expenditure may change both in the near future and beyond.

It can help you identify where you may experience a shortfall in your finances as well as helping to
set achievable financial goals.

By utilising our very own proprietary software, CashCalc (which is also the most used cashflow
planning tool by financial advisers in the UK), we are ideally placed to help you visualise your
finances and understand your current and future financial situation.

We offer a lifetime income and expenditure cashflow service for all clients, which includes a
cashflow analysis and report.

£1,500

Implementation Fees

If following our investment analysis you request our assistance in implementing the advice, a fixed
fee would be set depending on your specific circumstances and the complexity of the
work involved.

Please contact us for more information on implementation fees and what is involved,
which includes:

  • Research and identify the most suitable investments to meet your needs and confirm our recommendation in a suitability report
  • Complete all paperwork and administration to ensure the process is as smooth as possible
  • Agree an appropriate investment strategy

The cost of implementing additional advice is detailed below. Please note the below costs are a
fixed fee and are charged on top of the implementation fees.

  • Bespoke Self Invested Personal Pension (SIPP) or Small Self Administered Scheme (SSAS) set up: £800
  • Unlisted Share Purchase: £1,450
  • Commercial Property Purchase: From £2,500
  • Stock Broking Service Arrangement: £700
  • Lump Sum Investment, ISA or Pension (or non bespoke SIPP): £1,500 flat fee
  • Regular contribution Investment, ISA or Pension (or non bespoke SIPP): £750 per plan
  • Top up an existing Pension or Investment plan: £250 per plan
  • Venture Capital Trust/Enterprise Investment Scheme: 2.5% of investment amount (subject to minimum of £500 per plan). E.g. for an amount of £20,000, the fee would be £500; for an amount of £50,000 the fee would be £1,250

Ongoing Service

At Niche we do not believe that ‘one size fits all’ and therefore we offer three ongoing service
propositions to choose from:

Active service (more involved)
  • Annual review meeting which includes a review of your Attitude to Risk/Capacity for Loss, and a Cash Flow Planning analysis and report
  • Bi-annual portfolio report (detailing performance of financial holdings)
  • Online portal access including real-time portfolio valuation
  • All correspondence and emails replied to or, when more involved, acknowledged within 48 hours
  • Unrestricted telephone access with a financial planner, all telephone calls will be returned within 4 hours during our working week (9am-5pm, Monday-Friday)
  • Quarterly review of any funds held with Niche, this includes re weighting of your portfolio through predetermined tranches as and when appropriate
  • All servicing requests processed at no extra cost, including but not limited to; contributions, withdrawals, changes to investment strategy, changes to provider
1% ongoing (subject to change)
Chartered Financial Planners
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