The Way We Work

We are Independent Financial Advisers (IFA) and Wealth Managers with over 60 years’ combined experience.

"At Concierge Wealth Management, customer service is not a department, but our whole ethos. It is the dominant culture of the firm. Our principal goal is to surprise and delight our clients with the standard of service and with value for money."

TRACEY JOHNSTON

Head of Administration

The Way We Work (Terms of Business)

We have a document that explains this in detail. It is called our Client Agreement which you will be provided at the start of your journey with us. It sets out what we will need from you and what you can in turn expect from us. It also details the minimum and maximum charges you may pay.

You can also find our Fair Value Statement here.

Our main intention is to treat you fairly. Within this we will adhere to strict rules of engagement and ensure you understand our advice process and what is involved in providing an advice service of excellence.

We will need to understand you entirely. Primarily this will involve a lot of personal information disclosures and discussion. Only in this way can we ensure we direct and advise you accurately, efficiently and with the most beneficial outcome.

Once the initial information is provided by you, and once we understand your circumstances and views, the process of ongoing support becomes easier over time. This will be kept under review if you choose to implement our review services.

"Our most fundamental objective is to place our clients into an informed position, thereby allowing them to make completely informed choices and to interrogate the most effective way to bring those requirements into reality."

ADAM MCCALLION

Director of Concierge Wealth Management

Our Fees

Although our Client Agreement sets out our minimum and maximum fees in detail, every client is treated on an individual basis at CWM. We do not want you to pay for more services than required. We will tailor a bespoke fee arrangement for you founded on the services required and the expertise involved to provide a recommendation. The fee will also reflect the scale of professional liability associated with our work.

We should highlight that the inclusion of an independent adviser is an extra layer of expense, but we would expect our service to provide the following value and benefits:

We will save you time
Provide you peace of mind and comfort in the knowledge you have not missed any opportunities or left any financial threats unaddressed
Ensure you never feel led or sold to – you make the decisions based on independent advice only
To provide best advice. The most effective single solution to your needs
To offer expert opinion on your options and introduce ideas and concepts you may not highlight without professional advice
To introduce advanced planning techniques often overlooked due to apathy, time limits or financial constraints
To maximise the potential for growth with a view to offsetting our costs over time
To review your plans and ensure you remain comfortable and informed with your financial forecasting
To introduce you to our network of professional contacts where necessary and beneficial to you

As a business we always have our clients’ best interests at the heart of everything that we do, and we strive for excellence, if however, you identify something that we could have done better please speak to your financial adviser and give us a chance to put it right. You can read our full complaints procedures here.