What is the Wealth Club?
Our Money Tree Wealth Club currently offers the following ongoing client service propositions:
♦ Money Tree Platinum
♦ Money Tree Gold
♦ Money Tree Silver
Included below is a summary of what is included within each of the above service propositions:
♦ Money Tree Platinum
Typical Client Profile:
A typical client under this category will look to have no less than £500,000 invested with Absolute Sense Independent Financial Advisers Ltd which could be via a pension, ISA, or taxable investment vehicle.
Charging Structure
0.60% charge (pa)
0.75% charge (pa)
Minimum FeeBased upon Outsourced Investment Solution*
Based upon Advisory Portfolio Solution**
£3,000 per annum (£4,000 per annum for Advisory Portfolio Solution)
* Please note this only relates to investors where at least 75% of portfolio value is based upon an Outsourced Investment Solution otherwise an Advisory Portfolio Charge of 0.75% will be incurred.
** Our Advisory Portfolio Solution is a bespoke portfolio specifically designed for the client. The Outsourced Investment Solution will be based on using either a Multi Manager portfolio, a risk targeted portfolio or a DFM portfolio. For more details on this please refer to our separate documents entitled ‘Our Investment Process’.
Core Services Included
Portfolio Valuation A portfolio valuation will be prepared each year in connection with your contracts under management.
Review Meeting A review meeting will be held every year.
Suitability Assessment A suitability assessment will be prepared each year as part of your annual Review Meeting.
Portfolio Restructure following Suitability Assessment Any change in the portfolio following a Suitability Assessment will not incur any additional advice charges.
Portfolio Fund Switch Any Fund Switch proposed following a review meeting will not incur additional advice charges
Product Switch No additional charges will be levied if there is a recommendation to switch pension providers/investment provider/platform provider.
Further Funds Added No further charges will be levied against further funds added to the portfolio.
ISA Utilisation Service A proposal to transfer assets from taxed holdings to tax-privileged holdings to make use of your annual allowance as it arises will not incur any additional advice charges. This only applies to contracts managed by Absolute Sense Independent Financial Advisers Ltd.
Drawdown Income Review Any change in ad-hoc income withdrawals from a Flexi-Access Drawdown Contract will not incur additional advice charges.
Tax Advice Basic support can be provided with regards to tax advice although the adviser may refer to a specific tax professional, where necessary.
Support on Cash Account Management Additional support will be offered for those with Cash Accounts outside of the portfolio.
E-mail and Phone Support Access to the adviser will be available via e-mail or phone to discuss the current portfolio. Where we are not available at the time of your call, we will return your call within the next 48 hrs, subject to normal working hours.
Investor Newsletter On a regular basis we e-mail you a newsletter (usually monthly) highlighting current events in the field of financial services which we deem to be of relevance to our clients.
Services that are Chargeable Separately
Cash Flow Plan Analysis Additional charges will be levied for Cash Flow Plan Analysis to support our review.
♦ Money Tree Gold
Typical Client Profile:
A typical client under this category will look to have no less than £170,000 invested with Absolute Sense Independent Financial Advisers Ltd which could be via a pension, ISA, or taxable investment vehicle.
Charging Structure
0.60% charge (pa)
0.75% charge (pa)
Minimum FeeBased upon Outsourced Investment Solution*
Based upon Advisory Portfolio Solution**
£1,000 per annum (£1,500 per annum for Advisory Portfolio Solution)
* Please note this only relates to investors where at least 75% of portfolio value is based upon an Outsourced Investment Solution otherwise an Advisory Portfolio Charge of 0.75% will be incurred.
** Our Advisory Portfolio Solution is a bespoke portfolio specifically designed for the client. The Outsourced Investment Solution will be based on using either a Multi Manager portfolio, a risk targeted portfolio or a DFM portfolio. For more details on this please refer to our separate documents entitled ‘Our Investment Process’.
Core Services Included
Portfolio Valuation A portfolio valuation will be prepared each year in connection with your contracts under management.
Review Meeting A Review Meeting will be held every year.
Suitability Assessment A suitability assessment will be prepared each year as part of your annual Review Meeting.
Portfolio Restructure following Suitability Assessment Any change in the portfolio following a Suitability Assessment will not incur any additional advice charges.
Portfolio Fund Switch Any Fund Switch proposed following a review meeting will not incur additional advice charges.
ISA Utilisation Service A proposal to transfer assets from taxed holdings to tax-privileged holdings to make use of your annual allowance as it arises will not incur any additional advice charges. This only applies to contracts managed by Absolute Sense Independent Financial Advisers Ltd.
Drawdown Income Review Any change in ad-hoc/regular income withdrawals from a Flexi-Access Drawdown Contract will not incur additional advice charges.
Tax Advice Basic support can be provided with regards to tax advice although the adviser may refer to a specific tax professional, where necessary.
E-mail and Phone Support Access to the adviser will be available via e-mail or phone to discuss the current portfolio. Where we are not available at the time of your call, we will return your call within the next 48 hrs, subject to normal working hours.
Investor Newsletter On a regular basis we e-mail you a newsletter (usually monthly) highlighting current events in the field of financial services which we deem to be of relevance to our clients.
Services that are Chargeable Separately
Product Switch Additional charges will be levied if there is a recommendation to switch pension providers/investment provider/platform provider.
Further Funds Added Additional upfront charges will be levied against further funds added to the portfolio although these will be potentially discounted based upon the tiered initial charging structure.
Support on Cash Account Management Additional charges will be levied for advising on separate cash balances held outside of the portfolio.
Cash Flow Plan Analysis Additional charges will be levied for Cash Flow Plan Analysis to support our review.
♦ Money Tree Silver
Typical Client Profile:
A typical client under this category will look to have no less than £85,000 invested with Absolute Sense Independent Financial Advisers Ltd which could be via a pension, ISA, or taxable investment vehicle.
Charging Structure
0.60% charge (pa)
0.75% charge (pa)
Minimum FeeBased upon Outsourced Investment Solution*
Based upon Advisory Portfolio Solution **
£500 per annum (£750 per annum for Advisory Portfolio Solution)
* Please note this only relates to investors where at least 75% of portfolio value is based upon an Outsourced Investment Solution otherwise an Advisory Portfolio Charge of 0.75% will be incurred.
** Our Advisory Portfolio Solution is a bespoke portfolio specifically designed for the client. The Outsourced Investment Solution will be based on using either a Multi Manager portfolio, a risk targeted portfolio or a DFM portfolio. For more details on this please refer to our separate documents entitled ‘Our Investment Process’.
Core Services Included
Portfolio Valuation A portfolio valuation will be prepared each year in connection with your contracts under management.
Review Meeting A review meeting will be held every other year. If an annual review is required a top up fee will be required to cover the difference in the fee income received and the minimum charge for the Money Tree Gold Service.
Suitability Assessment A suitability assessment will be prepared each year based upon the information obtained at the previous Review Meeting. Please note that no changes will be proposed as part of this review but you will receive an updated assessment based upon the current portfolio.
ISA Utilisation Service A proposal to transfer assets from taxed holdings to tax-privileged holdings to make use of your annual allowance as it arises will not incur any additional advice charges. This only applies to contracts managed by Absolute Sense Independent Financial Advisers Ltd.
E-mail and Phone Support Access to the adviser will be available via e-mail or phone to discuss the current portfolio. Where we are not available at the time of your call, we will return your call within the next 48 hrs, subject to normal working hours.
Investor Newsletter On a regular basis we e-mail you a newsletter (usually monthly) highlighting current events in the field of financial services which we deem to be of relevance to our clients.
Services that are Chargeable Separately
Portfolio Restructure following Suitability Assessment Any change in the portfolio following a Suitability Assessment will require a top up fee to cover the additional work involved.
Drawdown Income Review Any change in ad-hoc income withdrawals from a Flexi-Access Drawdown Contract will incur additional advice fees.
Portfolio Fund Switch Any Fund Switch proposed following a review meeting will be charged separately based upon a top up fee.
Product Switch Additional charges will be levied if there is a recommendation to switch pension providers/investment provider/platform provider.
Further Lump Sum Funds Added Additional upfront charges will be levied against further funds added to the portfolio although these will be potentially discounted based upon the tiered initial charging structure.
Tax Advice Any specific Tax Advice would be charged separately and the adviser may choose to refer to a Tax Specialist, where necessary.
Support on Cash Account Management Additional charges will be levied for advising on separate cash balances held outside of the portfolio.
Cash Flow Plan Analysis Additional charges will be levied for Cash Flow Plan Analysis to support our review.
Please click here for further information regarding our Ongoing Charges.