We recommend products and provide services as follows:

Investments

 

  • We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.

  • Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. Where appropriate we may use an Investment Platform to administer your investments.

  • We provide advice on a variety of investments and have access to solutions which would meet the needs to all different client types. However in the majority of instances our core recommended solutions are Individual Savings Accounts 'ISAs', Collective investments and Retirement solutions.

  • As we believe your investment should be fully diversified our core investment strategy is based on Multi-asset funds, Passive portfolios, Active portfolios and Outsourced Investment solutions that are aligned to an asset allocation model which also takes your investment time horizon into account. We can however advise on specialist investment solutions where appropriate to your circumstances.

  • Please note that we don’t usually provide advice in relation to directly held individual shares, options, futures and other derivative contracts. We don’t provide advice on them as we believe that they are unlikely to be suitable for the majority of our clients however we will provide generic advice where applicable. If you need individual advice we recommend you refer to a stockbroker    Find out more...

Non-investment protection contracts:

  • Where we provide advice on protection contracts including life insurance, critical illness and income protection this will be based on a fair and personal analysis of the market.   Find out more...

Non-investment insurance contracts:

 

  • Where we provide advice on insurance contracts including buildings and contents and accident sickness and unemployment (ASU) cover we offer products from the whole of the market.

Mortgages:

 

  •  Where we propose to advise you on a regulated mortgage we will provide you with a separate Mortgage Services document detailing the services we offer and the costs of those services    Find out more...

Financial Review Process

 

As a financial planning business, we are focussed on helping you understand and plan for your financial future. By working with you we aim to have a full understanding of your current financial position, your objectives and identified needs. This enables us to provide suitable solutions for your needs, providing you with clear financial direction aimed at maximising the opportunities for achieving your objectives. In practical terms, please refer to our review process below

PHASE 1

Consultation

 

  • First meeting to discuss your needs and agree our fees

  • Fact find, gather information and understand your financial situation

  • Establish your risk profile, your goals and objectives

  • Agree our services, fees and method of remuneration

 

Meeting free of charge - at our cost

PHASE 2

Advice

 

  • Analyse requirements

  • Research whole of market

  • Prepare personalised solution and report

  • Review our report on your investment strategy

 

 

 

Payment due on set up of product as % of funds invested

 

 

PHASE 4

Ongoing Service

 

  • Assess requirement for continued service

  • If selected, ongoing access to your adviser

  • Update Fact Find and complete new Risk Assessment

  • Advise on options available

 

Payment % of investment value per annum and minimum fees apply depending on service selected

PHASE 3

Implementation

 

  • Agree on proposed solution

  • Apply to product provider

  • Complete application and documentation

  • Implement solution

 

 

 

Meeting free of charge - at our cost

Opal Financial Management Ltd is an appointed representative of Sense Network Ltd which is authorised and regulated by the Financial Conduct Authority.  Opal Financial Management Ltd is entered on the Financial Services register (www.fca.org.uk/register) under reference 602945

Opal Financial Management Ltd. Registered address 7-8 Church Street, Wimborne, Dorset, BH21 1JH.  Registered in England and Wales. Reg. No. 8544727

The information contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk