Our Services
We offer the following services:
- A personal Independent Financial Advice service to both individuals and corporations – one dedicated adviser for the duration of the advice process, and future reviews
- Online access 24/7 for clients to view their holdings
- Online access 24/7 for clients to update their personal details with us
- A bespoke service for Healthcare Professionals - see our news section for further details
Technology
We have invested extensively in technology. We work from a largely “paper-free” office using scanning technology to capture and archive documents which means less time spent hunting for missing files.
We have recently joined forces with Intelliflo, one of the leading providers of online software to the financial services industry, and we are able to offer via this an online portal for clients to utilise to keep track of their investments and other holdings.
We have teamed up with Financial Express, who are regarded as the principal source of financial data in the UK. We are able to offer clients full analysis of their investments using the Analytics tool provided by Financial Express. Sample here. This includes an in depth portfolio analysis. This is an extremely useful planning tool, which few IFAs have access to.
Advice
We advise on:
- Investments
- Retirement Planning, including Small Self Administered Schemes (SSAS) and Self Invested Pension Plans (SIPP)
- Defined Benefit (Final Salary) Scheme – analysis of existing benefits held, wind ups and transfers
- Commercial Property purchase within a SSAS or SIPP
- Family Protection (life assurance, critical illness and income protection cover)
- Mortgages
- Funding for Education
- Taxmatters (including Inheritance Tax Planning)
- Trust issues
- Corporate protection – (Keyman insurance, Shareholder protection, Business loan protection)
- EmployeeBenefits – (Including Death in service schemes, pension schemes, private medical insurance schemes etc.)
Initial Consultation
We find that many people are not entirely sure what their exact needs are, and thus we are happy to offer an initial free consultation to consider an outline of your personal and financial circumstances. At the end of this consultation we can determine an outline of your needs, and discuss with you any future costs that will be involved, based on our normal remuneration structure.
Our advisers will arrange to meet you in person either at our office or in your own home, or workplace. If you would prefer it is always possible to hold a consultation over the telephone.
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Holistic, Long Term Approach
Our aim as your Independent Financial Adviser is to work with you on an ongoing basis, and not just as a one-off (although this service can also be offered if required).
We believe that it is important to set goals and review these as your circumstances change through the normal cycle of life. In the early years, you may be more interested in obtaining a mortgage and protection for your family. You may also look to start prudent saving for your future.
As time progresses, you will have other considerations, perhaps school fees, exciting holidays or wedding plans. Latterly you will of course enter the period of life we all look forward to, but are so often poorly equipped for - retirement. Our aim is to ensure that you enter this phase of your life as early as you want, with as much income as you need, so that you can enjoy your hard earned spoils.
At Gregory Adam, we feel we can offer you this service, as our advisers have longevity with the company and thus have a long term commitment to all our clients.
Incorporating Existing Arrangements
It is not our intention to simply “sell” you new plans or products, we are very keen to look after any existing plans/investments you may have. We will also be happy to advise you whether these plans are still suitable for you bearing in mind any changes in your personal circumstances that may have arisen since the plans/investments were originally taken out.
We are commonly asked for advice relating to existing protection policies, pension plans, and investments, as well as more complex matters such as existing trust arrangements, shareholder protection arrangements, wind-up of occupational pension schemes, and methods of preserving higher levels of tax free lump sums within pension arrangements. Please contact us, if you wish to discuss any of these or other existing products.
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IMPORTANT DOCUMENTS
More details of our exact services, costs and what you can expect from us are detailed in the documents you can download from here:
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