With your Life-Centred Financial Plan developed and agreed we move onto the next stage of the process which is the provision of regulated independent financial advice. Here we provide personalised advice and recommendations which includes the review and evaluation of your existing arrangements to check if they are fit for purpose. Our Whole-of-Market research identifies the most suitable financial products, investments and platforms to enable the implementation of your bespoke Life-Centred Financial Plan.
We review your existing arrangements and show you whether or not you are on course to meet your goals. We also examine how aligned they are with the attitude towards investment risk that we have agreed upon being appropriate for your circumstances, and we identify your total cost of investing (TCI) and the impact this has on your targeted returns.
Our Risk Profiling process has been developed by leading decision science academics from Oxford University. We understand how people perceive risk, make judgements about risk, and behave in risky situations. We know how best to elicit and convey information to ensure those perceptions, judgements, and behaviours reflect true intent.
Our research & analysis work is truly independent and Whole-of-Market with us conducting research on over 9,000 life, protection, pension & investment products, over 16,500 investment funds, 200 DFM propositions, 1,400 DFM managed portfolios and over 55 platforms to find the most suitable solutions for you.
Our advice & recommendations are based around your personal circumstances and objectives and is covered and protected by FCA regulation. The regulatory reports and documentation that we produce include Suitability Reports, Key Features documentation, Fund Fact Sheets, Key Investor Information Documents and Illustrations.
Our Review workflow includes an independent, unbiased, in-depth research and analysis of your existing financial policies/plans/pensions/investments, fund choices and performance to check whether they are still fit for purpose. It includes a full review of premiums you pay, investment performance, fees and charges, values and the investment strategy and funds you are invested in. We pay particular attention to your attitude towards risk and the current economic climate based upon your given income/growth profile and other requirements. Our Review Workflow feeds into our other workflows culminating in a full written suitability report containing any suggested changes and our FCA-regulated independent financial advice recommendations.
Our Risk Profile workflow is a conduit between our clients and their investments; a means of determining if our clients' willingness and ability to take investment risk is suitably reflected in their investments. Risk-profiling is traditionally seen as a static exercise. When we place behavioural science at the heart of the profiling process, this view quickly changes. Behavioural science is all about developing a deeper understanding. As with any scientific method, using behavioural insights in financial advice is a continual journey.
A dynamic investing journey demands a dynamic suitability process and that is what we provide to our clients. Our suitability process measures how each investor seeks emotional comfort along their investment journey – looking at their short-term behaviours and focusing on their long-term risk tolerance.
Our Research & Analysis workflow deploys our extensive expertise, experience and knowledge to select the right products, platforms and investments for your plan. Our Research & Analysis workflow is truly Independent and covers the Whole-of-Market. It includes researching more than 9,000 life, protection, pension and investment products, over 16,500 investment funds, 200 DFM propositions, 1,400 DFM managed portfolios and over 55 platforms to find the most suitable products for our client plans. All fund and DFM info is updated on a daily basis to ensure our research aligns with client risk profiling. We cater for many different investment strategies which include over 1,000 risk rated multi asset funds and DFM managed portfolios, along with our own low-cost model investment portfolios.
There are many different ways and areas that our Independent Financial Advisers (IFA's) show how they are adding value through their clients’ financial journeys. Below we have summarised the key areas in which our financial advisers add value to their clients and their families :
Our advisers have many years of experience in dealing with the ups and downs of financial life – they are there for their clients when they retire or receive a windfall. They can help with a business sale, planning a legacy or receiving an inheritance. It is good to be able to talk to someone who has been through it before – that is what our advisers are there for.
Humans have evolved to survive over many thousands of years. Unfortunately, we have also learned some bad habits and biases in the process. Many of them we are not even aware of. We buy high and sell low, we value the near-term more than the long-term, we hold onto investments that have fallen, we believe information that reinforces our own views. Part of our adviser’s role is to act as a coach – helping their clients to avoid these mistakes and guide them to a better future.
Divorce, death, redundancy and making wills are all stressful times. Our advisers have experience and expertise and understanding to assist and guide clients through them. Our advisers are there when their clients need them most.
Our advisers have built their expertise over many years. They are regulated by the Financial Conduct Authority (FCA). They are required to have a Statement of Professional Standing (SPS) issued by an independent professional standards body. And they are required to maintain minimum standards and conduct regular Continuing Professional Development (CPD). Keeping up to date with all financial matters allows our advisers to give their clients the best possible advice.
Our advisers help work out and achieve their clients’ financial goals. They ask their clients questions in a relaxed but structured way; help them understand risks and opportunities and build a clear plan for their future. Without a long-term plan their finances are unlikely to head in the right direction. Our adviser’s job is to give clients confidence in the future.
While our advisers are experienced and well qualified, they never forget whose money they are looking after. The simpler they can make their clients’ plans the more likely they are to stick to them – and that is a key measure of their success. Our advisers also help reduce their clients’ paperwork – they will help them understand what they need to file, manage application forms and service enquires, provide valuations and updates. Our advisers can make sure clients keep the important things and bin the spam!
Our advisers can spot opportunities – understanding their clients’ objectives allows them to be alert to opportunities – new products, new tax freedoms, better strategies. They are their clients’ eyes and ears in the ever-changing tax, legal and product markets. And they will keep their clients on track – once they have established the risk profile they will manage and review their clients’ investments to make sure they stay on track over the months and years. Our advisers assess their clients’ risk profile regularly and the risk of their portfolio to make sure they are in tune.
Our advisers look at how best to maximise our clients' protection under the Financial Services Compensation scheme (FSCS) – so investments are “safer”.
Over the past few years, there have been numerous independent studies estimating the economic benefits of financial advice – from lower cost investment selection, portfolio re-balancing, to maximising tax efficiencies.
The findings from the largest study carried out by Vanguard shows a value add-on of 3% per annum on your portfolio compared to not using the services of an adviser. Ultimately, for many of our clients, other demands in their lives prevent them from ensuring that they conduct their own financial planning.
Working with us stops our clients from making financial mistakes or putting off immediate financial decisions that need to be made for their own benefit.
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Call our team on 0330 1131003
Mamucium Capital is authorised and regulated by the Financial Conduct Authority FRN 767090. Registered in England 10467410. Search the FCA Register using our firm name or our above FRN reference number.
The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
If you wish to register a complaint, please write to firstname.lastname@example.org or telephone 0330 1131017.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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