The business owners we work with are usually setting up a business, still running and building their business or thinking about selling up and retiring. Each group have differing priorities and challenges, which we are adept at solving, thanks to our knowledge and experience.
A client should desire their adviser be able to access the whole marketplace and act in their best interests to ensure they are getting the best solution possible to meet their aspirations. This is what we do at St Pauls. We are able to access the whole of the market to ensure the solution we come up with really is in your best interests and not ours.
As described above by being able to access the whole of the market we are able to access the most appropriate solutions for you. This is unlike Restricted Advisers who are unable to do this as they only have access to a panel of companies they work with. Similarly, we are not an Appointed Representative whereby thereby there could be a conflict of interest in promoting the inhouse investment solution dictated by the parent company again leading to a conflict of interest as to whose best interests are being observed. This is why we are directly authorised with the FCA and work in your best interests.
It is not just enough to be independent to ensure the solutions we recommend are the most appropriate for you. The world now moves at a fast pace with global events and economic conditions changing daily. This is why it important not just to pick a suitable fund and product and have it reviewed once a year which is what most advisers do. So much can change in that time and we feel it is imperative our clients receive professional cost-effective management of your savings and investment with a more hands-on style of management. This is why we have partnered with one of the country’s leading fund managers to help us build cost effective portfolios accessing every fund and investment type available and monitoring these constantly to ensure your monies are always in the right place at the time and not just left on the shelf until the next year’s annual review.
The world has evolved at such a fast pace in recent years and the Pandemic of 2020 demonstrated how important it is to have efficient means of communication to work remotely, for ourselves to work efficiently and provide a seamless service to our clients. This became possible by completely revamping all of our back office systems to ensure that the systems we use are in our opinion second to none and we are therefore not relying on out-of-date systems which we find so many financial services companies still use which are not fit for purpose in the modern age.
Your privacy and your data are so important to us and is an area we take very seriously. This is we have we employ a cutting edge back office system that allows us to communicate via encrypted messages to your own secure portal that can even be downloaded to your own smartphone. This ensures all of your affairs are private and safe and indeed you can even access up to date valuations and other features on the go via your smartphone.
Imagine being able to use your smartphone to instantly save monies into your chosen investments whether it is your ISA or your Pension. The ability to pick up your smartphone and save that extra £10 into your account becomes possible using the app which we provide you with. This can be downloaded both to your PC and your smartphone again demonstrating how we embrace technology to ensure we enable you to have the best day to day control over your financial affairs.
Our existing clients are able to access significantly discounted rates to ensure their Wills and estate Planning is kept up to date. We feel strongly that seeing our clients work hard all of their lives that we ensure their estates are secure and passed to their loved ones and not under threat form possible care costs, divorce, or premature death. We have all seen families whose family’s financial affairs have been significantly affected by these events. We ensure your children and grandchildren are looked after with the best planning possible.
The above may all sound great but what will it all cost me you may ask? We charge fees like all financial advisers and these are up front and fully transparent and disclosed before any work is undertaken. We do however feel we offer tremendous value and indeed a recent survey conducted by Vouched For revealed we are in the lowest third of fee charging companies in our area.
Perhaps the most important to reason to consider using our services is we are small enough to care. We like to feel that we are human, friendly and approachable and not some stuffy financial company. The majority of our new work comes from referrals from our existing clients and with offices in Liverpool City and Lancashire we like to think we are always available to talk without any obligation. If you have anything on your mind, please just pick up the phone and have a chat.
We’ll listen to fully understand your challenges. We strive to talk to you in plain and simple terms – no jargon. We’ll give you advice and guidance on how best to manage your portfolio and investment.
