FINANCIALPLANNINGSERVICE

Financial Planning

We aim to help you define and achieve your desired goals and lifestyle by using Voyant technology to build and optimise your Financial Plan.

The first step is to create a Base Plan, which is basically a detailed account of where you stand today. Once the Base Plan and assumptions have been agreed, we use Voyant’s powerful features to create an optimised Financial Plan. The ultimate aim of Voyant is to help you achieve your desired lifestyle and goals without running out of cash. It is our principle tool for creating, managing and protecting wealth. Your optimised Financial Plan may indicate a need for further advice, and if you decide to proceed, we carry out market research and prepare a Financial Planning Report.

Ongoing financial planning

We can offer an ongoing service package if you want to review your Financial Plan on a regular basis and keep it up to date. You may cancel the ongoing service package at any time without charge.

  • The Financial Conduct Authority (FCA) does not regulate tax and estate planning.
  • A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
  • The value of investments and the income from them can go down. You may not get back the original amount invested.
  • Tax treatment is based on individual circumstances and may be subject to change in the future

AREASOFADVICE

savings and investments

pensions and retirement planning

living in retirement options

inheritance tax planning

general tax planning

personal and family protection


ADVICEPROCESS

Voyant Adviser

Voyant Adviser is a powerful lifetime cash flow modelling tool for creating, managing and protecting wealth. We can help you analyse your current situation, define your objectives for the future and develop and implement a Financial Plan that makes best use of available resources. The software provides a realistic simulation of your lifetime wealth with extraordinary detail. We can stress test any scenario from early retirement to premature death or critical illness.

Market Research

Where a need for a new product or service is identified in your Financial Plan, and you decide to proceed, we carry out whole of market research to determine the most suitable product or service.

Financial Plan

We provide a Financial Plan and/or Financial Planning Report in plain English explaining our advice.

Plan Activation

If you decide to activate your Financial Plan, and a new financial product or service has been recommended, we complete the application forms and associated documents and liaise with product providers to ensure our advice is implemented quickly and correctly.

SCHEDULEMEETING

Quick Contact

MONEYMANAGEMENTSERVICE

The Money Management Service is our ongoing service and advice package for creating, managing and protecting wealth.

The service is suitable for clients that require financial advice with an ongoing service package. The Money Management Service Investment Version is typically suitable for clients with £50,000 or more invested for long-term growth and/or income.

The Tax & Strategy version of the Money Management Service deals with Inheritance Tax and estate planning; general tax planning and cash-flow modelling for creating, managing and protecting wealth.

The Money Management Service can be cancelled at any time without notice or penalty.

  • The Financial Conduct Authority (FCA) does not regulate tax and estate planning.
  • A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
  • The value of investments and the income from them can go down. You may not get back the original amount invested.
  • Tax treatment is based on individual circumstances and may be subject to change in the future

SERVICEFEATURES

Investment Version | Tax & Strategy Version

Financial Review

Your Financial Plan needs space to grow and adapt to new legislation and changes in your life. We recommend a Review at the end of every Plan Year or following a material change in your circumstances or objectives. We provide ongoing financial advice through our Financial Planning Service.

Financial Update

We upload an Economic Review and Property Review to your Client Portal every month along with three focused newsletters every three months and topical guides throughout the year. We also update you on issues that could affect your Financial Plan every six months.

Investment Monitoring

We review the performance of your investments every three months against established benchmarks and upload a portfolio report or valuation to your Client Portal. We may rebalance your investments and advise you to replace any retail investment funds we identify as unsuitable. This service applies to pension portfolios, ISAs, investment bonds and wrap accounts. It does not apply to structured products, discretionary portfolios and specialist investments such as venture capital trusts.

Client Portal

All your financial documents in one place for easy access on mobile, portable and desktop devices. You will be notified by email when a new document is uploaded. The Portal also has a secure messaging feature and you can upload your own documents.

CLIENTPORTAL

A single portal for your financial documents.

The Client Portal is powered by Onehub or Dropbox for Business. Your password protected portal can be accessed through the Onehub/Dropbox app or through a browser link. You will receive upload notifications when a new document is added.

256-bit encryption technology

The Client Portal uses the same 256-bit encryption and physical security policies as banks and financial institutions. It employs multiple methods of keeping your data secure both in transit and at rest. Using SSL, every communication is sent over a secure, encrypted connection. Additionally, data is always stored encrypted when at rest.

Email is not secure and financial firms like Robson Financial are more likely to be targeted by criminals. For extra security, please upload sensitive documents to your Client Portal instead of using email.

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Investment Planning

BUSINESSPLANNING

Auto enrolment is a major challenge to all employers and with over 500 pages of rules and regulations, professional help is often required.

Employers must provide a workplace pension and automatically enrol eligible employees by their stating date or at the end of the postponement period. The pension scheme must be registered with The Pensions Regulator and it must meet the minimum compliance requirements. Failure to comply could results in substantial penalties.

auto enrolment planning

Fixed Fee Planning

We offer a cost effective fixed fee solution in two parts: scheme start up and scheme management. We recommend the most suitable pension scheme for your business after due consultation and then set it up correctly. Once you are up and running, we can offer ongoing support services [optional] to help your business manage the extra workload and compliance responsibilities. This usually means working closely with your payroll supervisor and/or accountant.

  • The Financial Conduct Authority does not regulate auto enrolment.
  • The Pensions Regulator is the statutory regulator for workplace pensions.
  • A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
  • The value of investments and the income from them can go down. You may not get back the original amount invested.
  • Tax treatment is based on individual circumstances and may be subject to change in the future.

AREASOFADVICE

business protection

shareholder protection

key person insurance

death in service benefit

tax planning

employee benefits

corporate investments

corporate pensions

Investment Planning

ROBSONWRAP

Manage your investments and pensions on a single platform.

The Robson Financial Wrap is a powerful wealth management platform underpinned by Standard Life Wrap. It enables clients to hold their savings, investments and pensions in one place, which can streamline administration and reduce investment charges.

  • Flexible investment choices supported by robust investment capability
  • Potential for better deals with discounted funds
  • Client access to view their portfolio online
  • Wide range of funds and tax wrappers
  • Transparent charging structure and clear client charges summary
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