Our Wealth proposition

Working with you towards having

•the right amount of money
•within the right Tax wrapper
•at the right time
•invested at the right risk

The Need for our Wealth Management

Many of our clients often perceive their financial lives in various compartments such as their company pension, their life assurance, savings, and so on. Any advice associated with their financial matters is often fragmented. This leads to confusion, sometimes worry and almost certainly to a lack of clarity.

Busy people work hard for their money and life too also places demands on our savings, not least as we track towards retirement. However when we meet busy people they often cannot answer the most basic financial questions, such as ;

x What is the total value of my invested wealth?
x How has my wealth performed this year?
x What did I pay in tax and charges?
x What risks do I run with my investments?
x Will my investments be enough?

Our Wealth Management utilises the most modern technology to help provide bespoke advice to track you through your busy life, managing your private savings alongside your pension until eventually it all comes together and we help you manage the freedom of not having to work anymore.

Here at Edgar Brooks, we have found that at times like this our clients want to talk and really want to do something with their finances.

How The Wealth Management Service Works

It’s well known that a diverse investment portfolio is the best way to reduce financial risk. The problem is that spreading your investments across a number of companies tends to generate mountains of paperwork and increases the hassle of getting up to date valuations. Wouldn’t it be helpful if there were a simple, reliable way of keeping track of all your investments? Now there is: EBC Wealth Management.

The Wealth Management uses a web-based service that enables us to manage your entire portfolio from one web page, regardless of where your investments are held.

The first stage is that we meet with you and establish your current financial position, together with the aspirations and goals for the future. One key element to any financial plan is the amount of risk clients are willing to accept. We therefore spend time establishing your risk tolerance.

Once this is know we then produce our recommended risk suitable portfolio structure, which can be overlaid across the range of tax wrappers.

Our advisory process is geared towards ensuring that the correct tax wrappers are utilised as opposed to “selling� a specific product.

This means we can take an holistic approach to your financial planning, making your money work harder, looking after you through all life’s changes and making your financial life easier. EBC Wealth Management takes the trouble out of managing your investments.

What Type of Client Are you?

We offer three different service propositions

Prestige
Typically a wealthy client with a diversified portfolio and extensive reporting and management requirements including bespoke discretionary fund management service-typical costs are 2-3% of the initial amount invested plus 1% pa. Clients receive an annual meeting, a quarterly investment report and valuations, plus on demand advice during the year from one of our highly qualified advisers. Tax certificates will also provided.

Enhanced
Typically a member of one of our Group Pension plans looking to consolidate their additional ISA/Bond/Pension plans, possibly using a Wrap platform. - Typical cost 3% of the amount invested plus 0.75%pa. Clients will receive an annual discussion as well as a half yearly investment report and valuation.

Transactional
Typically a younger client who just wants us to provide an overview of their finances and may want a simple investment such as an ISA.-typical costs are between £60-100 per hour. Clients will receive a written summary of their position and a recommendation for the basic fee. All costs are on a time spent basis.

Remember, we are working towards having
• the right amount of money
• within the right Tax wrapper
• at the right time
• invested at the right risk