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We're structured to get you the best results.
This means delivering you with unconflicted, independent advice and stewardship.
As a fee-only firm, prices will always be quoted up-front to ensure you are satisfied and not surprised.
Your initial meeting, whether in-person or on a conference call, helps us determine how to meet your needs.
We learn about you, your current financial situation, personal goals, concerns and values.
If you are right for our services, the benefits of our transparent charging model against traditional commission based models is explained.
Fees are typically paid in three areas: for advice, for implementation and for on-going service.
For a detailed plan to cover complexities like cash-flow, retirement or estate planning, you pay an initial fee.
You pay a percentage of account value for ongoing advice. Reviewing suitability, re-balancing and relationship management are included.
No commissions or sales incentives are accepted. You pay a percentage of assets managed, a fixed fee or a combination of both.
You get competitive rates from leading providers. An arrangement fee is set according to the complexity of your case.
Advisers external to our UK or UAE offices, or appointed representatives may operate their own fee structures. These are detailed in writing at the point of business.
Written terms of business specific to your country of residence, and a full tariff of charges are available on request.
Fee-only financial planners are professionals with a fiduciary responsibility to act in their clients’ best interest. We do not accept any fees or receive compensation from a brokerage firm, mutual fund, insurance company or any other source besides you.
Because our sole compensation comes directly from you (our client), our only loyalty is to you — making sure the advice we provide is the best possible for your unique financial situation.
An investment fiduciary is an individual who has responsibility for the management of the assets of others and is therefore in a special position of confidence, reliance and trust.
The standard of conduct required of fiduciaries is considered the oldest, strongest, and most revered standard in law.
Fiduciary principles date back to the Code of Hammurabi which we talk about on Slide 24 of Our Culture Code.
The two most fundamental duties of fiduciaries are loyalty and care. These duties form the foundation that gives rise to the specific responsibilities of investment advisers established in contemporary laws and regulations.
Thus, the fiduciary standard is said to be principles-based,
meaning that a fiduciary’s actions must always conform to the guiding principles of loyalty and care.
Comprehensive financial planning is a term used to describe the blending of life planning and financial planning to meet your unique needs. Simply put: it involves every aspect of your financial situation.
Although we're best known for managing our client's investments, we also can provide you with professional guidance in all areas of your financial life, including college planning, retirement planning, home ownership, mortgages, insurance and estate planning.