Complimentary Services
We offer a portfolio of free services to allow you to gain an understanding of your current financial position, to establish your existing needs, to make a suitable plan for the future and to establish whether PPFS is a good fit for you, your family and your business. These services are provided to you at the cost of PPFS and you have no requirements or responsibilities once the service has been provided.
Pension, Protection and Investment Tracking Service
Many people hold a range of plans and very often do not retain their policy documentation and information. This may be because they have moved address, changed job, cleared the attic, lost their online logins or simply can’t remember! First and foremost, we will locate your existing plans before conducting a review and providing advice. This can be done very simply once you have signed a Letter of Authorization for us to conduct this search
Investment Review
We will provide you with a summary and analysis of your existing investments. Our summary will include:
- The underlying investments contained within your investment wrapper
- The fees and charges contained within your investment
- The risk profile of your investment and whether this is in line with your current appetite for risk
- The past performance data of your existing Investment
- The tax rates and implications on your Investment returns
Personal Pensions Review
We will provide you with a summary and analysis of your existing personal pensions to include:
- The underlying funds and investments within your pensions
- The fees and charges contained within your pensions
- The risk profile of your pensions and whether this is in line with your current appetite for risk
- The past performance data of your existing pensions
- Your retirement options with your existing pensions
Retirement Planning Health
We also offer a completely free Retirement Planning Health Check. This is designed to allow you to assess your current retirement position and establish any potential shortfall in recruitment. We will look at the following:
- Is your pension saving on track to provide your retirement income needs
- What level of risk you are currently taking and is this appropriate given your retirement objectives
- Have you considered all retirement options and are you clear on your retirement aims
- Can your pensions provide you with a sustainable level of income in retirement
- Is your existing pension structure suitable and are there more appropriate alternatives
Personal and Corporate Protection Review
Whether these are personal or business protection policies, we will highlight the following:
- The key features of your protection arrangements
- The fees and charges contained within these
- The value, sum assured and the benefits of your protection
- The tax implications of the various plans you hold
Once the free initial service has been provided you will be offered our advice, if necessary. If you wish to receive our ongoing advice, we will inform you of the possible costs/commitments so that you will be able to make an informed decision. If you don’t wish to receive our advice, we will provide you with your summary and remain on hand should you require our services at any point in the future.
