Welcome to our Prosper service.
Our goal is to help you achieve your full potential using our award winning financial planning and wealth management services.
We believe that you deserve to live a secure and fulfilled life and this belief is what our Prosper service was built around.
The Prosper service focusses on three main areas…
Our Prosper service is designed to help you gain complete clarity over your present and future financial positions. We use our financial planning software to show you realistic scenarios that illustrate the possible effects that future financial decisions and events might have. This gives you peace of mind and the confidence to start working towards your future goals.
Once you fully understand where you are now and where you want to be, you will be able to focus on what truly matters to you. We are then able to put together a strategic plan to enable you to make the future you are dreaming about a reality.
By developing a comprehensive Financial Plan, we will enable you to take control of your finances and focus on getting you to your goals as quickly as possible.
With your Financial Plan in place, you can sit back and relax, safe in the knowledge that your money is being looked after by regulated experts with a track record for growth and a genuine dedication to customer care.
In managing your investments, we use proven strategies to deliver predictable results with minimum risk.
The discovery meeting is all about finding out about you. We need to understand what’s important to you, and what your primary goals are for the future. We ask a series of questions that are designed to get you to focus on what you want from the rest of your life. Our clients find this process extremely valuable and enlightening.
By now you will have received a printed proposal outlining our costs. In the Fact Find meeting we will start a comprehensive data analysis of your current and future spending patterns as well as looking at your current income, expenditure, and looking at details of what assets and liabilities you have.
During this meeting we will run through your financial plan and look at different scenarios and the routes you can take to achieve your goals. Using our planning software you will immediately be able to see the benefits of any products or investments we have recommended. This is a highly collaborative and interactive stage and puts you at the centre of your financial decisions.
Now that we have set out your goals and have a clear financial plan in place to achieve them, we can begin implementing an investment management portfolio or arranging the appropriate financial products. Now you can sit back and relax as we work hard to help you achieve the life you dream of.
You will receive regular contact from us with updates on your current valuations and, depeding on your ongoing needs, you will be offered at least one annual meeting to review your Financial Plan or investment portfolio, making the necessary adjustments for your current circumstances and ensuring that you remain on track to achieve your goals.
WHAT YOU GET
Initially all clients get a financial plan and ongoing investment management. Future financial plans are included depending on your level of funds.
We charge 2% of the investments we manage up to £1 million and 1% on any amount over that figure. For annual reviews we charge 1% of the investments managed.
WHEN AND HOW YOU PAY
The initial review is paid for up-front and the annual review charge is deducted monthly. Payments can be deducted from your investment funds or you can pay separately. The choice is yours.
Our Prosper service has a minimum investment requirement of £150,000 and includes an initial Financial plan. If you have £300,000 or above invested with us at the end of year one, a further Financial plan will be included as part of the service.*
*If you have under £300,000 invested with us at the end of year one, a further Financial Plan will be at an additional cost. Once we have confirmed your level of investments, we will provide you with a full breakdown of the costs, with no hidden surprises.
A typical financial adviser will charge 3% upfront and 0.75% per year after that, (this will not usually include a Financial Plan). Set out below is an example of how our charges work for a portfolio of £150,000 over 5 years compared to a typical financial adviser.
See what sets us apart from other independent financial advisers...
Unit 5, Park Lane Business Centre, Park Lane, Langham, Colchester, Essex CO4 5WR
A DIFFERENT APPROACH
We focus on so much more than just your financial planning. We aim to help you reach your full potential, achieve your goals and help you live the life of your dreams.
Click below and discover our Prosper service.