Service Level Agreements
We are currently offering six levels of ongoing advice service, the following elements are common to all :
- Each level of service will have a periodic review. The purpose of the periodic review is to reassess the original/latest investments which you hold in relation to any change of your circumstances and objectives and also economic conditions. This will involve a review of your risk requirements, capacity for loss, tax status and income/expenditure needs.
- Where we believe a change to your investments is necessary, we will carry out research to find the most suitable new investment option(s).
- We will provide you with a report on our recommendations justifying the suitability of advice. (Even when the correct advice is to make no changes).
- We will recommend specific investment products and, where appropriate, the underlying funds within each investment product. The costs associated with each product will be provided to you in advance of any investment commitment.
- We will act on your behalf with the product provider to arrange the completion and submission of the appropriate application forms, as well as any communication as necessary to resolve any issues or adjustments which arise during the course of your policy ownership.
The services (including our Clovelly mortgage service) are (click to service agreement):
Trevaunance
This service is available to all clients. We will automatically carry out an annual valuation of your investments held. We will be in touch following the valuation to arrange an appointment to discuss the performance of your investments relative to your objectives. At this time, we will either recommend changes, where appropriate, or confirm that your investments remain suitable.
Trevaunance Cove image CC0 1.0 Universal (CC0 1.0)
Back to top
Prussia
We will automatically carry out an annual valuation of your investments held. We will be in touch following the valuation to arrange an appointment to discuss the performance of your investments relative to your objectives. At this time, we will either recommend changes where appropriate, or confirm that your investments remain suitable. We will continuously review your investments (Actively Managed and Quantitative ranges) or 4 monthly review (Multi-Asset Select range) throughout the year in line with your attitude to risk and economic conditions. Where we deem appropriate changes are necessary, we will contact you with our recommendations, typically between 3-10 times per annum.
Image © Mari Buckley ShareAlike 2.0 Generic (CC BY-SA 2.0)
Back to top
Lulworth
We will automatically carry out a bi-annual valuation of your investments held. An adviser will review these in light of your attitude to risk and current economic conditions. We will be in touch following each valuation to arrange an appointment to discuss the performance of your investments relative to your objectives. At this time, we will either recommend changes, where appropriate, or confirm that your investments remain suitable.
Please note: Our Kynance service has been retired from our current product range and is no longer available to new clients. Existing clients already utilising the service will remain under the existing terms and conditions.
Back to top
Penberth
We will automatically carry out a bi-annual valuation of your investments held. We will be in touch following each valuation to arrange an appointment to discuss the performance of your investments relative to your objectives. At this time, we will either recommend changes, where appropriate, or confirm that your investments remain suitable. We will continuously review your investments (Actively Managed and Quantitative ranges) or 4 monthly review (Multi-Asset Select range) throughout the year in line with your attitude to risk and economic conditions. Where we deem appropriate changes are necessary, we will contact you with our recommendations, typically between 3-10 times per annum.
Image © Bob Jones (cc-by-sa/2.0)
Back to top
Porthgwarra
Ethical
This service is designed for clients looking to invest with a sustainable/ethical/socially responsible mandate. We will automatically carry out an annual or bi-annual valuation of your investments held (dependent on assets under management). At this time, we will either recommend changes where appropriate, or confirm that your investments remain suitable. We will continuously review your investments throughout the year in line with your attitude to risk and economic conditions. Where we deem appropriate changes are necessary, we will contact you with our recommendations, typically between 3-10 times per annum.
Image © Andrew Curtis ShareAlike 2.0 Generic (CC BY-SA 2.0)
Back to top
Teign
This service is available to clients with over £2,000,000 to invest.
We recognise that certain high net worth investors may wish to have a more targeted and specialist advice process than typical.
For example, more or less regular meetings, more regular valuations and reviews, or less advice in some areas where this is existing specialist knowledge. We always strive to provide a service which best fits individual client needs which is why we offer several services, not one. This service is designed to be fully bespoke and agreed on an individual basis.
Image © Alec Owen-Evans – Alius Imago
Back to top
Clovelly
Mortgage Service
Our Clovelly service is designed to give our Mortgage customers ongoing care after the point of purchasing a new home, holiday home, buy-to-let property or releasing equity from an existing property.
Image © dpe123
Back to top