Client First

Our ‘Client First’ approach puts you at the centre of our decisions.

We believe that the biggest risk our clients face is the risk of not hitting their goals. For us, setting a goal is the single-most important step in creating your financial plan. Our advisers will take the time to uncover the real reasons why you are saving and investing and produce a plan that meets your needs.

Our four-step process reflects our approach to carrying out advice that will help address your financial planning needs:

1. Understanding Your Situation

2. Analysis and Design of Your Strategy

3. Presentation of Your Recommendation

4. Ongoing Service and Information

The following process reflects our approach to carrying out advice that will help address your financial planning needs. The advice process for defined benefit pension transfer is slightly different.

1. Understanding Your Situation

Before any investment strategies can be recommended, we seek to fully understand your situation. We do this prior to and during our first meeting with you.

We will look to gather details on your personal and financial circumstances, considering your existing assets and resources.

From there, we will discuss your goals and aspirations as well as your attitude to risk. What we learn from you will form the foundation for our future analysis and recommendations.

By taking the time to really get to know you and what is important to you, we can deliver better outcomes. We think this approach not only makes sense but is often an important first step overlooked by many.

2. Analysis and Design of Your Strategy

After we have gathered all the necessary details from you, we will turn our attention to analysing this information.

We use the latest analytical tools to understand the breakdown of your existing assets and how these are performing against your set objectives.

We believe that a critical part of design is ensuring there is a match between your goals, aspirations, attitude to risk and the eventual asset allocation of your investment plan.

Once we have completed our analysis, we will design a recommended strategy, or series of strategies, using the most appropriate investment options available in the whole of the market.

As part of this, we will also consider your tax situation, making sure your assets are placed in the best tax treatments allowed in the UK.

3. Presentation of Your Recommendation

We start from the premise that there is no point in recommending a strategy that we cannot explain easily or that our clients will not understand.

So, we will always present our recommendations in a simple and straight- forward way. You will also get a written explanation of all our recommendations in a language that is designed to be understood. These recommendations can be provided to you by email or hard copy, whichever format you prefer.

We will store a copy of our recommendations, supporting information and any other important documents you provide on a personal and secure website that you can revisit whenever you like.

4. Ongoing Service and Information

As a client of Heritage, you are supported and empowered 24 hours a day, 7 days a week.

You will be able to view your investments on your personal website. Everything will be transparent to you.

If you want to make any adjustments or if your personal situation changes, you can use the secure messaging system on your site to reach your adviser.

Alternatively, you can reach our Heritage team by phone, email or in writing.

We can also offer you face-to-face, phone or webinar meetings when required. These can be arranged at a time, location and frequency that best suit your needs.

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