Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client”. This means that you are afforded the highest level of protection under the regulatory system and you should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation we offer to you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. With very few exceptions, we will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract. This agreement is governed by and should be interpreted in accordance with English law and you agree to submit to the non-exclusive jurisdiction of the English Courts. We will issue any documentation, recommendations and any other communication to you in English (unless agreed otherwise). In executing or transmitting applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. We may also, on occasion, advise on other financial products which are not regulated by the FCA under the Financial Services and Markets Xxx 0000. The Financial Services Compensation Scheme does not apply to any of these products. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. Please note that any products we have arranged for you will only be kept under review as part of an agreed ongoing service for which you agree to pay. Any ongoing service will be agreed with you in writing in a fee and services agreement. We may contact you in the future by means of an unsolicited promotion (by telephone, email or post) should we wish to discuss the relative merits of a particular product or s...
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation(s) we offer to you will only be given after we have assessed your needs and considered your financial objectives, attitude to risk and capacity to bear any losses. We will also take into account any restrictions that you wish to place on the types of products or investment strategy you would be willing to consider. Our Ethical Policy We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; • Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation(s) we offer to you will only be given after we have assessed your needs and considered your financial objectives, attitude to risk and capacity to bear any losses. We will also take into account any restrictions that you wish to place on the types of products or investment strategy you would be willing to consider. Registered in England and Wales, number: 2102893, Registered Address: 00 Xxxxxxxxx Xxxx, Xxxx Xxxxxxxx, Xxxxxx XX00 0XX FPC Financial Services Ltd is authorised and regulated by the Financial Conduct Authority OUR ETHICAL POLICY We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: be open, honest and transparent in the way we deal with you; not place our interests above yours; communicate clearly, promptly and without jargon;
Your aims and objectives. 3.1 Unless we notify you in writing to the contrary, we will be treating you as a “retail client”. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service.
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Our Ethical Policy We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; • seek your views and perception of our dealings with you to ensure we meet your expectations or to identify any improvements required. If you feel that you would like to bring along to any meeting, a friend, relative or professional adviser, Pension Income Planning Ltd are happy to accommodate this. We appreciate that discussions on financial advice can seem daunting and you are welcome to bring someone with you who may also ask questions and assist you with your understanding of the advice process and any recommendations made. Please be aware that calls to and from our offices are recorded, will form part of our client records and may be used for training purposes.
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client”. This means that you are afforded the highest level of protection under the regulatory system and have the right to take any complaint to the Financial Ombudsman Service. Before providing advice, we will assess your needs, consider your financial objectives and assess your attitude to any risks that may be involved. If you do not want to discuss a particular area of financial planning, and that area should not form part of the advice given, we can exclude it if you instruct us to do so. This may have a bearing on the advice that is given. Our advice will be based on the information that you give so it is important that you provide us with accurate and up to date information when we request details about your circumstances and objectives. This will allow us to provide you with suitable advice. If the information you provide is inaccurate or if you limit the information provided this could affect the suitability of the advice we give. We will confirm any recommendations we make in writing (our suitability report) along with details of any special risks that may be associated with the products or investment strategies we have recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, any other early termination rights and penalties will be covered in the relevant product disclosure information you will receive before conclusion of any contract. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Structured deposits • Phased retirement & income drawdown • Enterprise investment schemes • Critical illness cover • Venture capital trusts • Income protection • Structured products We do not provide advice in relation to individual share holdings, options, futures and other derivative contracts as well as unregulated collective investment schemes as we believe that these are unlikely to be suitable for the majority of our clients. This process covers the: • gathering of information about your existing financial arrangements and full personal circumstances • gathering of information about your scheme from the administrators and trustees • understanding of your investment knowledge and attitude and tolerance towards investment risk and capacit...
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “Retail Client”. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. If you advise us that you wish to limit the advice we give you in any way, we will consider this to be limited advice. In this case we will follow the standard advice process stages but only in relation to the areas on which you have requested advice. You should be aware that if you limit the information you provide to us in any way, it may detract from the completeness of the advice we are able to give you. This is because the information not disclosed could affect how appropriate the advice we give you is to your circumstances. If you place any limitation on our advice, we will confirm this fact to you during our discussions and in our subsequent suitability report. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract.
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation(s) we offer to you will only be given after we have assessed your needs and considered your financial objectives, attitude to risk and capacity to bear any losses. We will also take into account any restrictions that you wish to place on the types of products or investment strategy you would be willing to consider. Our Ethical Policy We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; Registered in England and Wales No. 8168055 Registered office: 00 Xxxxxxxxxxx Xxxx, Xxxxxx, Xxxxx, XX0 0XX Authorised and regulated by the Financial Conduct Authority SFP Client Agreement V5 (MIFiD II/GDPR) May 2018 Instructions We only accept instructions in writing (paper or electronic means) to aid clarification and avoid future misunderstandings. Please note we will not act on oral instructions to avoid any possible misunderstandings.
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a retail client. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider. We will confirm to you in writing the basis of our recommendations along with details of any special risks associated with the products recommended. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before conclusion of any contract. We will issue any documentation/recommendations and any other communication to you in English (unless agreed otherwise).
Your aims and objectives. Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business and a “consumer” for general insurance business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider.
