Services

We work with our clients and their families to design a financial plan and set financial goals. We then assist our clients with the ongoing monitoring of this plan, to take account of any potential changes in circumstances that may affect their financial goals.

We work with our clients to design and implement an investment plan consistent with their financial goals and attitude toward investment risk. As part of this process, we provide ongoing services to monitor the progress of this plan.

When providing advice, we consider the adverse impact of investment decisions on sustainability in so far as available information allows us to do so. As part of our research and assessment of products, we will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG products. We will at all times act in the client’s best interests and keep clients informed accordingly. The consideration of sustainability risks can impact on the returns of financial products.

In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), we inform you that when providing advice on insurance-based investment products/Investments, we assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation the products proposed/advised on. This means that we assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.We integrate these risks in our advice in the following way: • We review product provider literature in relation to sustainability risks. • We liaise with the providers in relation to any queries in relation to the funds. • This information is reviewed by the firm on an ongoing basis. Considering Principal Adverse Impacts (PAI) on sustainability factors in the advice:When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we assess the PAI information published by product manufacturers as follows: • The firm will examine the Product Providers literature to establish the Principal Adverse Impacts for the relevant products. • The firm will then compare financial products across available providers to make informed investment decisions about the suitability of ESG products for individual clients.Impact on Return If sustainability risks -are deemed relevant: We also assess the likely impacts of sustainability risks on the returns of the IBIPs on which we advise. If possible, we will update you with an estimate regarding the likely impacts of sustainability risks on the returns of Pensions/Investments based on the documentation we receive from Product Providers.