Why should you consider a maintenance program from Independent
Options
Historically, tied agents such as Banks and Insurance Company
salesmen have sold clients financial products often without
regard to the clients existing financial goals.
This has lead to clients accumulating different types of products
and the feeling that their financial planning was disjointed
and did not have a holistic or long-term aim. There was limited
continuity and often the feeling of having to buy products
so the adviser could be paid.
Advances in Financial Service markets and technology have
meant that the professional Independent Financial Adviser
can now deliver a true financial planning service on an ongoing
basis. If a maintenance program is effected a long-term professional
relationship can be established.
I hope you will agree that your financial adviser will need
to be paid. Payment for the maintenance program on an agreed
basis will ensure that a long-term relationship can be delivered
and without the perceived obligation for the client to “buy”
financial products.
What does a maintenance program and this relationship mean
in practice?
 A proactive service so that your financial goals
are regularly updated.
One point of contact.
A full audit of your financial circumstances on an annual
basis.
A well structured and actively managed portfolio.
A portfolio that can be amended to take into account
changes to your financial goals, taxation, legislation and
the financial markets.
An advisory not discretionary service, which means
that your agreement is always obtained before any changes
are made to your portfolio.
A business process approach to financial planning.
Reduction in paperwork.
Reduced administration.
If appropriate liaising and involving other professionals
such as solicitors, accountants etc.
In the majority of cases access to your portfolio
via the Internet.
Peace of mind that your financial planning is in
professional hands.
The maintenance program is not right for everyone.
However a significant number of our clients have found the
maintenance program extremely valuable as it allows them to
enjoy life knowing that their financial circumstances are under control
and in the professional hands of Independent Options.
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