Services to Clients

We offer several levels of service to our clients, from transactional (eg arranging an investment) to lifetime financial planning. Whatever level of service is required the client is always in control. There are 3 factors to consider; personal preference; needs; cost.

1. Personal Preference.

As mentioned, you are in control and will determine the level of involvement you want us to have. Some clients simply want a review of their current situation; others may want advice in a specific area, whilst others want a full comprehensive financial plan to be implemented and then reviewed each year.

2. Financial Needs.

The client's financial situation may also determine the appropriate level and type of service. Ardent IFA Ltd offers professional advice across all major areas of financial need, including the following:

• Protecting income and the family during working life
• Investment portfolio planning
• Retirement planning
• Protecting estates from inheritance tax and costs of long term care
• Raising mortgages to purchase property
• Releasing equity from existing property
• Helping business owners to maximise personal benefit from the business
• Lifestyle financial planning which incorporates all of the above.

3. Cost.

Irrespective of the level of service required or the nature of financial need, the initial meeting with a consultant from Ardent IFA Ltd is completely free of charge or obligation. At the first meeting we will establish how best we can help the client to achieve their goals and we will agree a likely cost and method of payment.

We give you the choice of paying us a fee directly for the services we deliver or, if our recommendations generate commissions, you can give us permission to retain some or all of the commission to offset the fee. Where commissions are not retained by Ardent IFA Ltd they will either be returned to the client or rebated into the client's plan.

It is important to note that where a product provider pays a commission, it will reclaim the costs of the commission through policy charges so the client will still ultimately pay the cost. Before we commence any work on your behalf, and before you sign up to any policy or plan, full costs, fees and commissions will have been discussed and agreed with you.

Your home may be repossessed if you do not keep up repayments on your mortgage.