ISM Financial Solutions Ltd

The Financial Planning Service is for those clients who want to know that they have a financial adviser that has a current file on their financial affairs but do not feel that they need active management of their finances.

On an annual basis we will update their file with the value of all their investments as well as carry out an annual review meeting. As a client you will be assured that at any time you need to contact us, we will hold updated information and will be able to provide any necessary advice without delay. You will receive an annual report but there will be no active management in place.

This retainer will only be offered to a small number of clients. Unmanaged portfolios are unable to react to changes in political or economic circumstances and for these reasons most clients would choose a service level with active management. In addition, tax law affects all clients, regardless of their stage of life. Whether working and concerned about income and investment tax or in retirement and disturbed by our beneficiaries' potential inheritance tax bill, expert advice is invaluable.

Qualification:

Access to the service will be limited to clients who are Base Rate tax payers with manageable assets below £50,000.

Our main focus will be to enhance your wealth.

One of our goals is to increase your wealth sufficiently for you to be able to qualify for our Wealth Management Service.

The Wealth Creation Service is designed to provide the core services required by clients who appreciate the financial benefit of having a team of experienced advisers actively managing their financial affairs. In order to ensure that you maximise the value from your income, it is important to ensure that once invested it is managed in the most efficient way.

A portfolio should be actively managed as it can have a positive effect on your standard of living and future security.  The choice of investment vehicle employed by the management portfolio is paramount.

Finally, it is essential that you are kept aware of the current tax and fiscal rules as well as any impending changes. Using tax breaks to the maximum as well as protecting against negative rule changes ensures that you enjoy the benefit of your profits.

Much of our service will be largely unseen by our clients, as our role is to add value without adding demands on your time.

Qualification:

Access to the service will be limited to clients who are Higher Rate tax payers or clients with manageable assets between £50,000 and £150,000.

Your manageable assets will usually include cash deposits, investments and investment property. Your main residence would normally be excluded.

The Wealth Management Service is designed for clients who appreciate the financial benefit of having a team of experienced advisers actively managing their financial affairs. 

This service is continuously ensuring that the wealth created so far, and future financial objectives, are invested and managed in the most effective way.

All your manageable assets, from cash in the bank to stock portfolios, will be managed in an integrated method using the latest technology to re-align the investments within the asset class model established for you.

Products within the portfolio are often considered for their ability to access the marketplace using the most tax efficient means.

As our client we will keep you aware of current tax and fiscal rules as well as any impending changes. Using tax breaks to the maximum, as well as protecting against negative rule changes ensures that you enjoy the benefit of your profits.

A high level of service is instrumental in achieving good returns. Much of this work will be unseen by our clients, as our role is to add value without adding demands on clients time.

The Wealth Management service is based upon a WRAP. A WRAP is a tool allowing us to identify and manage your assets as a complete single unit, resulting in a single strategy being applied across your portfolio,  from cash to individual share portfolios.

Some of the key benefits of the WRAP are given below:

· It represents a complete picture of a client’s portfolio, i.e. their true assets and liabilities.

· It provides a comprehensive suite of systems and tools through which your personal details, goals and aspirations can be recorded, analysed and incorporated into financial plans and transactions.

· It contains a wide variety of tax wrappers through which assets can be held for the purpose of securing tax breaks.

· It allows and enables access to a comprehensive range of top fund managers, mutual funds, equities, fixed interest securities and other investment vehicles. This is referred to as Open Architecture.

· It delivers complete transparency of charging. You will see every charge applied by fund managers, WRAP operators, advisers and others involved with managing your portfolio.

Qualification:

Access to the service will be limited to clients with manageable assets in excess of £150,000.

Your Service Agreement fee will be calculated on the assets to be managed, this will normally include all assets upon which advise will be given, your main residential property being excluded.