Make your investments work for you; with Advice that’s personal

Your financial planner must be regulated by the Financial Conduct Authority (FCA) and all our advisers have at least a Level 4 qualification. Many of our financial planners have higher qualifications such as Chartered or Certified Status.

A financial planner offers a range of services to help you manage and grow your wealth effectively. These include:

1. Financial Goal Setting: Helping you define short and long-term financial goals (e.g., saving for retirement, buying a home, or funding education).
2. Investment Advice: Recommending tailored investment strategies based on your risk tolerance, objectives, and time horizon.
3. Retirement Planning: Guiding you on pension contributions, withdrawals, and strategies to ensure a comfortable retirement.
4. Tax Planning: Advising on ways to minimise your tax liabilities through tax-efficient investments, ISAs, pensions, and estate planning.
5. Estate and Inheritance Planning: Helping you plan how to pass on wealth efficiently, including wills and trusts.
6. Insurance and Protection: Advising on life insurance, income protection, and critical illness cover to protect your finances.
7. Budgeting and Debt Management: Assisting with personal budgeting, debt repayment plans, and overall financial discipline.

These services can help you achieve financial stability, grow wealth, and protect your assets.

Annual Reviews - We will schedule in at least one comprehensive annual review to assess your financial progress, revisit your goals, and make any necessary adjustments to your plan.

On Demand or Ad-Hoc updates - You can often request updates or meetings outside of scheduled reviews if significant life events occur (e.g., a job change, inheritance, or market volatility) or if you need clarification on specific issues.

Performance Reports – We’ll provide reports showing the performance of your investments and tracking your financial goals.

Centralised Communications – you will receive e-mail or postal updates especially during key financial events or market changes.

Yes, our clients have access to the Personal Finance Portal, your Financial Planner will be able to tell you more about this.

The initial consultation with an adviser will not incur any associated fees, in the first instance our advisers will offer an initial 1 hour consultation to help you  identify if you need or would benefit from financial advice. Following this consultation if you wish to proceed with advice our adviser will confirm in full the associated fees.

As a valued customer of Nucleus, you may be eligible for preferential advice fees. This means that, where appropriate, we can apply a materially reduced rate to both our initial and ongoing advice charges.

This preferential structure reflects our partnership with Nucleus and our commitment to offering fair value in line with FCA expectations, including  Consumer Duty.

Any fee will always be:

• Fully disclosed and agreed with you in advance of any advice being provided.
• Assessed on a case‑by‑case basis, ensuring it remains appropriate for your needs and circumstances.
• Supported by a clear explanation of the services included, how the charges are calculated, and how they relate to the value you will receive.

Your adviser will confirm the exact fees applicable to you, alongside a personalised illustration and full details within your Client Services Agreement.