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Your financial questions answered

  • How do I pay your fees? 22-08-19
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    The most popular method is to deduct this from the fund itself if it is a pension transfer. If it is an investment some clients prefer to invest the whole amount and pay us separately for the work completed.
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  • What is the difference between an Independent Financial Adviser and a restricted financial advisor? 22-08-19
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    The phrase Independent Financial Adviser has a particular meaning that is set out in the rules that financial advisers have to follow. To be called independent, a financial adviser must be able to offer a broad range of retail investment products and give consumers unbiased and unrestricted advice based on a comprehensive and fair analysis of the market. A financial adviser that is not independent can be called ‘restricted’ if they only recommend certain types of investment products or products from a limited number of providers.
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  • What do financial advisors charge and how much am I likely to pay? 22-08-19
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    A financial adviser must tell you how much they charge before you are taken on as a client its part of the rules that all advisers have to abide by. Some might charge per hour, others might charge a fixed fee or a percentage (typically 3-4.5%) of the value of your pension pot.
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  • I recently sold my company so I came into some money which enables me to pay off my mortgage if required, however I have heard that that might not be the best thing to do? 22-08-19
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    Pay off the debt unless you have any risk to future borrowing. Unless you know of risks to your creditworthiness, pay it off. Hope that helps.
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  • Do you charge for your service? 22-08-19
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    Ashwood Law WM & I bear the cost of the initial meeting, so no cost to you. At the end of the meeting I will have an idea of the work and complexity of the case involved and I should know what the cost might be. You can then decide how you wish to proceed.
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  • Should I Delay taking my pension pot? 22-08-19
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    You could instead delay taking some of your pension. For example, you might be able to arrange to retire gradually, or change to working part-time or flexibly and then draw part of your pension. If you want your pot to remain invested after the age of 75, you'll need to check with your pension scheme or provider that they will allow this.
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  • Should I Delay taking my pension pot? 22-08-19
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    You could instead delay taking some of your pension. For example, you might be able to arrange to retire gradually, or change to working part-time or flexibly and then draw part of your pension. If you want your pot to remain invested after the age of 75, you’ll need to check with your pension scheme or provider that they will allow this.
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  • Are you regulated? 22-08-19
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    Ashwood Law Wealth Management Ltd are an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority.
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  • When do I pay any fees? 22-08-19
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    All fees are paid once you accept my recommendation. For pension transfers the fee is deducted from the fund and is dependant on when the funds transfer. This can take a few days or a few weeks. For investment advice you can pay Ashwood Law by BACS within 7 days of our meeting and presentation of my recommendations. For the research & report only, this would be paid before our second meeting. For a mortgage, this would be paid by BACS upon the mortgage offer.
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  • How long will it be before I see a return on my investment? 22-08-19
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    Any investment is long term, 5 years as a minimum term and longer is ideal and of course depends on the markets, as funds can down as well as up and you could get back less than you originally invested. Fund performance would be a guide that you would be shown.
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  • How often will you review my investments? 22-08-19
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    This is dependent on the on-going service agreement you wish to choose but typically this can be face-to-face biennially and via phone /skype during the none face-to-face years. For all queries or questions before the review dates, you would be able to contact me on my mobile during business hours.
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  • What is the minimum fund value for me to be able to benefit from your advice? 22-08-19
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    I would recommend a minimum of £50,000, but if you are just below that figure, I may still be able to assist. It is worth picking up the phone to discuss.
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  • I recently sold my company so I came into some money which enables me to pay off my mortgage if required, however I have heard that that might not be the best thing to do? 23-09-19
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    Pay off the debt unless you have any risk to future borrowing. Unless you know of risks to your creditworthiness, pay it off. Hope that helps.
    • Share:

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Disclaimer: This site is not intended or designed for SERIOUS financial questions which should be directed immediately by telephone or in-person to qualified professionals. Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not Regulated Advice; Regulated Advice is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional financial advice, or to establish a professional-client relationship. The Experts may remain anonymous for compliance reasons.