Our aim is to provide impartial advice to a broad range of clients. Our reputation has been built on providing straightforward, honest advice and adding value to both individuals and businesses. Many of our client relationships have been built over a period of years. Our understanding of our clients and their needs and this allows us to help them achieve their financial goals. For those who require an ongoing service our advice will change as their circumstances change. Our recommendations are clear, concise and easy to understand.
To achieve this we need to have a full understanding of your financial position, including your income and outgoings, needs, wants and aspirations to enable us to identify your short, medium and longer term objectives. This enables us to provide suitable solutions for you now which can be adjusted as your plans or your life changes.
Before making any recommendations we’ll carry out a suitability assessment so that we are able to act in your best interests. We’ll 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’ve recommended.
Financial Planning can be complicated and our aim is to help you make sense of it all. If you engage us we will steer you through the maze of legislation, financial products and taxation by providing you with the most appropriate advice for your circumstances now and, if you agree, in future years. The benefit to you is clear financial direction.
Where we agree to provide you with a service that includes an ongoing review of the suitability of the investments we have recommended, we’ll carry out this review at least annually. To do this we will need to make contact with you to assess whether the information we hold about you remains accurate and up to date. We’ll issue you with a report setting out the results of our assessment and, if relevant, any updated recommendations.
We believe in providing clients of ASM Financial Planning “ASMFP” with Independent Financial Advice as we believe this is in their best interests. We offer products from the whole of the market and can therefore recommend products and services which are best suited to our client’s needs.
Offering independent investment advice means that we consider a wide range of financial strategies and products. We regularly review the market to ensure that the services and products we offer are appropriate for our clients. When we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand.