Clear Financial Advice.
Make better-informed financial decisions that are right for you.
By aligning your current circumstances to your objectives, our financial advisers will work with you to create a long-term plan that can give you the financial freedom to enjoy life to the full.
Independent financial advice you can trust.
Our purpose is to help you achieve your lifestyle and financial objectives. Working together, we’ll develop a long-term financial plan that is right for you – giving you financial independence and the reassurance of financial security.
- Initial consulation free of charge or obligation
- Clear and transparent advice process
- Make better-informed financial decisions
" The thought of consulting a financial adviser never occurred to me until my husband arranged a meeting for us both with Estate Capital. However, our first conversation with Chris was a revelation. In clear, easily understood terms, he showed why financial advice is vital for everyone – especially if you have little knowledge or interest in the subject. Now, several years later, I’m still very happy to take and benefit from his advice. I thoroughly and without hesitation recommend their services. "
Fiona Richardson
Understanding you
Before making recommendations we take the time to fully understand you, you’re current financial position, your objectives, expectations and responsibilities. We explain why our financial advice is relevant for you personally. Our initial meeting is offered without cost or obligation as we are yet to know how we can help.
Implementing a plan
All of our recommendations are tailored to you and fully explained within the details of your plan. We cover the selected investment strategy, the expected range of returns, future values and any taxation implications. We provide suitability of advice reports, policy features, investment fact sheets, cash flow and retirement forecasts and illustrations of expected benefits including costs.
On-going reviews
Recognising that life evolves and circumstances change, we’ll review and update your financial plan on an ongoing basis to ensure your financial plan continues to align your current circumstances with your long-term objectives.
Financial Advice
Frequently Asked Questions
We think it is important to offer clients simple, fair and transparent fees. We aim to ensure value from a well-resourced advice service that aligns our mutual interests. Our charges are benchmarked against national averages every year to ensure that we are always competitive.
Our advice and establishment fee is an initial one off fee based upon the capital sum invested or the monthly contribution made into an investment or pension plan we have researched and recommended. This fee starts at 2% but reduces to 0.5% dependent upon the size of the investment.
New clients are most often introduced to us through a very satisfied existing client that they know. What we do for one, may not suit another, so we need to understand you.
We want to understand your ambitions, your hopes, dreams and fears. Money may be the means but not the objective. We need to understand the future you desire, your values and principles so your financial plan works for you.
We review and analyse existing investments to ensure all holdings are appropriate and market leading. A full review in itself often creates better understanding and confidence. Before making any recommendation we will fully explain why our financial solution is relevant to you. We always consider the tax implications of our advice and ensure that your finances are handled in the most tax efficient way possible.
All of our recommendations are fully explained in a comprehensive Suitability of Advice letter. This letter covers the reason and relevance of our recommendations. The details of the plan, the selected investment, your capacity for loss, attitude to risk and taxation implications will all be covered. We also provide policy key features, investment fact sheets, specific reports and illustrations of benefits.
If you are happy with our recommendations we will implement them on your behalf with the chosen financial institution along with any trust documents that may be relevant.
Financial advice is not just for today but potentially for the rest of your life. We want clients able to make well informed financial decisions that are right for you now and for the future.
For your planning to remain relevant and your investment choices reviewed we will offer a contract of ongoing service. We will discuss which level of our four service levels is appropriate for you.
" We’ve been Estate Capital customers since 2015 when we needed savings and investment advice. With little previous experience in this field, it was very important for us to be confident in obtaining expert and trustworthy advisers. Close friends recommended Estate Capital to us on the basis of the first-class support and sage advice they had been given. They provide a very personal, transparent and accessible service, sensitive to investors’ risk appetite, based on market intelligence which is of the highest order and with competitive service charges. "
Mike and Pat
" As a client since 2003, I have always received sound, impartial and professional advice delivered in a friendly and personal manner. Also pleasing to note that assets under management have grown to an impressive £330+ million which indicates the confidence that others have in investing via Estate Capital. I am also reassured that staff are attaining appropriate professional qualifications in order to meet the demands of a highly regulated financial service sector. "
Mark Evans
" After my husband passed away, I was left with the burden of unravelling an investment portfolio. I approached Chris of Estate Capital and for the past six years he and his team have guided and advised me, and I am more than happy with the benefits of their expertise. It is therefore easy to see why Estate Capital enjoy their privileged position within the FT Adviser Top 100 adviser firms in the UK. "
Elizabeth Johnson
Speak to one of our Financial Experts
Our financial advisers have a wealth of experience helping clients with their financial planning. We can help you build and benefit from financial security. We believe it’s important that you to have confidence in your financial arrangements and the peace-of-mind to enjoy life to the full.
Phone us
Reach us on 01792 477763
Email us
Reach us at mail@estatecapital.co.uk
