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IHT Planning......

Discretionary service agreement

You will have unlimited direct telephone and email access to all members of the Argent team.
You will have a single point of contact for all administrative enquiries.
Communication will be tailored to your specific requirements.
Argent will respond to phone calls and emails within 48 hours of receipt.

We will conduct an in-depth assessment of your risk tolerance and agree a suitable investment strategy.
We will recommend a suitable asset allocation to meet your investment objectives.
Our asset and fund recommendations will be based on rigorous and robust investment processes and methodology.

We will rebalance your investment portfolio when necessary to ensure that it remains in line with the agreed investment strategy.
You will have online access to your investment portfolio to include high level valuations, and the facility to trade stocks and shares if required.
We will manage your portfolio on a discretionary basis, under/overweighting the asset allocation and managing the fund composition of the portfolio in line with economic considerations and fund performance.

We will provide you with quarterly valuations of your assets by post or by email, whichever you prefer.
We will contact you to conduct an annual review of your financial objectives.
You will have the opportunity to meet with your Argent consultant at our office to discuss your annual review.
We will provide you with details of the relative performance of your investment portfolio as measured against the appropriate benchmark(s).

We will remove the administration burden and complexity of dealing with your financial affairs.
We will transact all business on your behalf and ensure your files are safe and fully up to date.

We will work closely with you to plan for and manage your retirement income goals to try to ensure that you live the life you desire when you stop work.
We will review your pensions on an ongoing basis in order to ensure that they comply with, and take maximum advantage of, pension legislation.

We will communicate effectively with other professional advisers as required.
We will provide any other professional adviser with copies of your half-yearly valuations and/or our advice with regard to tax mitigation, where requested to do so.
We will introduce you to other suitable, and vetted, professionals as needs arise.

We will actively re-broke your mortgage on a regular basis to ensure that you have the most suitable rate and terms available in an ever changing market.
When appropriate, we will actively re-broke any life assurances policies you hold to ensure that you have the best terms available in an ever changing market.
We will help and advise on protecting you and your family against your specific areas of concern.
We will advise on tax efficiency including Capital Gains and Inheritance Tax.
We will discuss the additional costs of these services with you.

We will keep you informed of legislative changes that may impact on your wealth.

Argent Personal Finance Managers Limited is authorised and regulated by the Financial Services Authority