16
CONTENTS
MPL Wealth Management Ltd Financial Planning Service ............................................................................ page 3
About MPL Wealth Management Ltd .............................................................................................................................. page 3
What should I expect from my MPL adviser? ............................................................................................................. page 3
The MPL Wealth Management Ltd Financial Planning Service in detail ..............................pages 4 & 5
Confirmation of the costs for our Financial Planning Service ........................................................................ page 6
MPL Terms of Business and Client Agreement with advice flow diagram ........................................ page 7
Example factors used to produce client reports:
Advice process flow diagram ...................................................................................................................................................... page 8
Investment and savings ................................................................................................................................................................. page 9
Building funds for your retirement ................................................................................................................................... page 10
Providing income in your retirement ............................................................................................................................... page 11
Safeguarding you and your family against financial hardship ...................................................................... page 12
Appendix 1 - Service level propositions ........................................................................................................................ page 13
Appendix 2 – Example of Strategic Review Agenda and Record Form ............................................... page 14
MPL Wealth Management Ltd Financial Planning Service
This document is aimed at providing you with a brief overview and to introduce you to our services in more detail. After you have read this document you will need to select the service that best suits your needs which we will discuss with you so that you understand fully what is offered and how it will benefit in your circumstances. Please do not hesitate to ask us if you have any questions.
Money means different things to different people If you were ten or even twenty years from now - what goals would you wish to have achieved and what financial resources would you have needed to achieve those goals?
Being clear about your money needs is very important and our business is about planning for theachievement of those outcomes.
People have busy lives and are not able to dedicate time to researching, understanding and implementing their financial strategies without the right support.
Each individual client has their own requirements in regard to wealth achievement. You will benefit from having a dedicated adviser guiding you through the myriad of financial solutions available and the complexities of taxation and legislative systems.
About MPLMPL are Independent Financial Advisers, which means we have access to the whole market - providing a high quality and professional financial planning service and are totally focused on delivering a caring, proactive and personalised service to individuals and their families. We are a team of qualified professionals with complementary skills and expertise who have worked within financial services for many years.
MPL combines investment management, advanced wealth structuring and relationship management. We help our clients achieve their financial objectives. The investment managers at MPL work in tandem with the financial advisers and have a deep knowledge of investment principles, tax rules and wealth structuring and understand the issues which affect our clients. This knowledge, combined with our experience,creates collective wisdom - being the cornerstone of what makes us different from other advisers.
What should I expect from my MPL adviser?The adviser/client relationship is founded upon Integrity, Trust and Transparency - offering a clearlydefined and effective service proposition.
Your adviser will invest time to understand your objectives, what is important to you, as well as your risk tolerance, including your attitude towards investment risk.
Value is added to our clients by: - Simplifying your arrangements and giving you more control. - Reducing the anxiety and uncertainty over your future financial position. - Helping you to make informed financial decisions. - Using personalised solutions to execute your chosen financial strategy. - Providing ongoing support, advice and management of your financial affairs. - Undertaking a comprehensive review service
MPL W E A LT H M A N A G E M E N T | PA G E 3
MPL Wealth Management Ltd Financial Planning Servicein detail
Annual review meeting with your adviser Access to at least one meeting per annum with your adviser to review your financial plan. This will form part of the MPL ‘Strategic Review Process’. The example agenda of this is attached as Appendix 2.
Face to face access to your adviser between review dates as requiredIt may not be possible for you to see your adviser at your annual review date and we can accommodate ad hoc reviews to suit. If you need or want to see us you will always be welcome.
Telephone & email access to your adviserOften a quick call or email can resolve a small matter before it escalates into a significant issue. Your adviser is here to help when required.
Acting on your behalf MPL will make enquiries on your behalf to produce policy information and schedules ahead of an overall review and recommendation.
Financial guidance for family members Often a family member will be faced with a situation where you feel they would benefit from our guidance. As an extension of our service we will see if we can help (please note that additional fees may be required). All discussions would be fully confidential.
Trustee explanation and selection It is sensible to use Wills and Trusts to organise your financial affairs and choosing Trustees and Executors is a hugely important task. We will explain the responsibilities of a Trustee and provide advice in this regard.
Liaising with professional advisersUnder your explicit instructions, information can be provided regarding your financial affairs to specialist professionals, e.g. accountants and lawyers, to achieve a consistent strategy which may include information relating to your self assessment or estate tax returns. MPL are able to make introductions for clients.
2nd Opinion service You may have received advice from another professional but would like a second opinion or you may want a second opinion on a non financial related matter that could have financial implications, in which circum-stances, we shall be pleased to provide a second opinion. There may be fees charged for this service.
Investment portfolio constructionMPL provide you with access to portfolios specifically constructed to achieve your objectives whilst taking account of your tolerance and attitudes to investment risk. These will be produced in line with your service level agreement.
Investment portfolio reviews It is important that regular reviews are conducted to ensure your portfolios are still aligned to your objectives. Depending on the agreed service level, we will go through any necessary amendments or updates as part of your ‘Strategic Review Process’. Rebalancing your portfolio to ensure it remains in line with your risk tolerance will form part of this review.
PA G E 4 | MPL W E A LT H M A N A G E M E N T
MPL Wealth Management Ltd Financial Planning Servicein detail
Understanding and utilising investment riskThere are different types of investment risk that will affect you at varying times of your “financial planning life cycle”. We help you understand these risks and mitigate them where possible for your benefit, where appropriate.
Tax shelter reviewFrom time to time differing Tax Shelters (pension, ISAs, EIS, Bonds etc) will be utilised to maximise the tax efficiency of your affairs. Legislation affecting the attractiveness of these shelters is changing constantly and your adviser will confirm appropriate alterations for your existing investments as well as any new money you are investing.
General taxation review A review of any opportunities or threats to your portfolio created by major changes in tax legislation.
Retirement income structuringWhether you are thinking ahead to your retirement or maximising the effectiveness of your income in re-tirement, your MPL adviser will ensure that your affairs are structured in the optimum way to achieve your retirement objectives.
Estate planning reviewA review of your estate planning including updating your Letter of Wishes, identifying desired potential beneficiaries, assessing impact of legislation changes and reducing Inheritance Tax where possible.
Annual protection review serviceA review of the current level and appropriateness of existing protection arrangements (where applicable). If you are unfortunate enough to need to claim on any of your insurance policies - assistance will be provid-ed to you and your family to ensure this is dealt with as efficiently and quickly as possible.
Debt and cash flow managementA review of the adequacy of any emergency fund arrangements you have in place and the competitiveness of interest rates incurred on any debts.
Explanation of employee benefitsAny questions you have regarding your existing employee benefits will be answered and taken into account when providing advice.
Access to your portfolio onlineWhere possible, subject to your selected service level agreement, you will be provided with the ability to review your portfolio online at any time.
Claims handling serviceClaims will be handled in a timely fashion with due regard to beneficiaries.
MPL W E A LT H M A N A G E M E N T | PA G E 5
Confirmation of the costs for our financial planning service
Paying for servicesNot all firms charge for advice in the same way. We will discuss the payment options with you and answer any questions you may have. The fee structure will normally be set out in the “terms of engagement agree-ment” or otherwise confirmed in the recommendation report. The fee can be taken from the recommended investment or product. Alternatively, the fee may be paid independently if preferred. Fees may be due as a result of our advice and services.
Strategy & implementation fees • To cover the time spent assessing your requirements, researching options, liaising with your existing providers (if applicable) and presenting a written recommendation / report regarding your situation, we charge a Strategy Fee. If you chose not to proceed with the recommendations a minimum fee would be payable. This will be clear from the terms of engagement agreement or the recommendation report. • The overall fee will be based on time spent, the value added and the regulatory risk in dealing with your affairs. • An estimate of the total charge will be produced and not exceeded without consulting you. • If you follow the recommendations and ask us to implement the advice, we charge an implemen- tation fee. In these circumstances we would offset the strategy fee and reduce the implementation fee on a pro rata basis. The implementation fee would cover the initial work as well. • In most circumstances the implementation fee charged would be up to 3% levied on the amount invested, or the premium paid, as examples this amounts to £3 for every £100 premium or sum invested. We will suggest how this fee can be paid. Options will be considered which may exclude the need for VAT.
Annual fee for ongoing advisory & private client service • Fees are calculated as a percentage of funds under influence and agreed in advance. • Ongoing advisory fees will typically be in a range of 0.50 – 1.00 % per annum, charged monthly, quarterly or annually depending on the agreement.
Confirmation of costs for transactional adviceOccasionally, advice on a ‘one-off ’ matter or individual project may be required. Fees for this advice are agreed in advance of any undertaking.
Full details and examples of our Fees can be found in our “Keyfacts about our services” document.
PA G E 6 | MPL W E A LT H M A N A G E M E N T
MPL Terms of Business and Client Agreement
The terms of business are contained in our “Client Agreement”, which is a separate document. In addition, you should refer to the document called “key facts about our services”, which provides examples of the cost of our services. The “Client Agreement” defines the category of client and a brief indication of the service levels within these categories is tabled in the agreement (see Appendix 1). For your own benefit and pro-tection you should read these terms carefully before signing the declaration. We provide you with a copy for your records. If you do not understand any points please ask for further clarification.
You are signing the “Client Agreement” because you understand and agree to accept:
1. Our commitment to you 2. The services provided 3. Our payment structure 4. The terms of engagement and a recommendation report will describe the exact parameters of the fees at each stage of the advice process
The advice process at MPL will involve a number of personnel who will interact with you over the course of time as set out in the following flow diagrams:
MPL W E A LT H M A N A G E M E N T | PA G E 7
Ad
vice
Pro
cess
Flo
w D
iag
ram
Adv
ice
proc
essf
low
dia
gram
PA G E 8 | MPL W E A LT H M A N A G E M E N T
Inve
stm
en
t an
d s
avin
gs
Inve
stm
ent a
nd s
avin
gs
–A
n in
dica
tion
of th
e ba
ckgr
ound
ser
vice
/con
side
ratio
ns u
sed
to c
reat
e yo
ur c
lient
rep
ort
•G
row
cap
ital
to fu
nd:
-M
ortg
age
-Sc
hool
fees
-Ad
ditio
nal
retir
emen
t ne
eds
-Fa
mily
pro
perty
-Pr
ovid
e In
com
e
•D
eliv
ery
of
obje
ctiv
es•
Inve
stm
ent
flexi
bilit
y•
Cha
ngin
g ci
rcum
stan
ces
•C
hang
ing
attit
ude
to ri
sk
and
capa
city
fo
r los
s •
Vola
tility
•
Long
term
v sh
ort t
erm
pl
anni
ng•
Rev
iew
fre
quen
cy•
Mak
e in
form
ed
deci
sion
s an
d ch
ange
s
•in
vest
men
t ris
k•
Shor
t ter
m•
Med
ium
term
•Lo
ng te
rm•
Spec
ific
term
•Ai
ms/
targ
et
base
d•
Cap
acity
for
loss
•In
flatio
n ris
k
• C
ash
• Au
thor
ised
Inve
stm
ent F
und
• O
nsho
re B
onds
• O
ffsho
re B
onds
• D
irect
Sha
res
• En
terp
rise
Inve
stm
ent
Sche
me
• Ve
ntur
e C
apita
l Tr
ust
• Bl
ende
d co
mbi
natio
n•
Trus
t –G
ift, L
oan,
D
isco
unte
d G
ift,
Abso
lute
, D
iscr
etio
nary
•Pr
ovid
er
choi
ce•
WR
AP
•Pl
atfo
rm
•In
sura
nce
Com
pany
•
Fund
Man
ager
•Ba
nk
•St
ockb
roke
r
•M
itiga
ting
tax
•In
herit
ance
pl
anni
ng•
Supp
lem
entin
g pe
nsio
n in
com
e•
Prot
ectin
g ca
pita
l•
Inco
me
• C
apita
l gro
wth
•As
set a
lloca
tion:
-St
ress
test
-Ex
pect
atio
ns-
Vola
tility
-St
ocha
stic
m
odel
ling
-Ac
tive
-Pa
ssiv
e-
Tact
ical
•Fu
nd re
sear
ch:
-Q
uant
itativ
e-
Qua
litat
ive
-R
atin
gs-
Stre
ngth
s-
Wea
knes
ses
-D
iver
sific
atio
n-
Blen
ded
asse
t cl
asse
s
•Pe
rson
al
inve
stm
ent
solu
tion
that
m
eets
you
r ob
ject
ives
•Al
igne
d to
yo
ur o
bjec
tives
MPL W E A LT H M A N A G E M E N T | PA G E 9
Bu
ildin
g f
un
ds
for
you
r re
tire
me
nt
The
valu
e of
adv
ice
Bui
ldin
g fu
nds
for y
our
retir
emen
t -A
n in
dica
tion
of th
e ba
ckgr
ound
ser
vice
/con
side
ratio
ns u
sed
to c
reat
e yo
ur c
lient
rep
ort
•N
eed
rela
ted:
-Tr
ansf
er d
river
s-
Futu
re
draw
dow
n or
ph
asin
g-
Con
solid
atio
n-
Inve
stm
ent
choi
ce-
Cos
t co
nsid
erat
ions
-P
erfo
rman
ce-
Cho
ice
of fu
nds
-S
IPP
ava
ilabi
lity
-S
chem
e so
lven
cy-
Mar
ital s
tatu
s•
Hol
istic
:-
Tax
plan
ning
-Ta
x re
lief
effic
ienc
y an
d us
e of
al
low
ance
s-
Inte
ract
ion
with
ot
her
asse
ts
(bon
ds,
prop
erty
, IS
A,
OE
IC, d
irect
eq
uity
etc
)-
Inhe
ritan
ce
Tax/
Cap
ital
Gai
ns T
ax
•D
eliv
ery
of
obje
ctiv
es•
Inve
stm
ent
flexi
bilit
y•
Life
styl
e ev
ents
•A
ttitu
de to
ris
k an
d vo
latil
ity•
Cap
acity
for
lo
ss•
Tim
e ho
rizon
•C
onsi
sten
cy
and
sens
e ch
eck
•R
egul
ar r
evie
w
and
info
rmed
ch
ange
•Fl
exib
ility
of
pens
ion
wra
pper
cho
ice
•R
ole
of
empl
oyer
sc
hem
e or
co
ntrib
utio
ns
•S
hort
term
• M
ediu
m te
rm•
Long
term
•A
ims/
targ
et
fund
ing
base
d•
Cap
acity
for
loss
• C
urre
nt/fu
ture
ac
tual
and
ex
pect
ed
mar
gina
l tax
atio
n ra
tes:
0%
, 20%
, 40
%, 4
5%
•S
IPP
•S
mal
l Sel
f A
dmin
iste
red
Sch
eme
•In
sure
d •
Fund
rang
e an
d ch
oice
•P
ortfo
lio
plan
ning
and
m
anag
emen
t •
Pha
sed/
inco
me
draw
dow
n•
Sch
eme
pens
ion
•Fi
xed
Term
A
nnui
ty•
Ass
et-b
acke
d/
conv
entio
nal /
enha
nced
an
nuity
•M
itiga
ting
tax
•B
uild
ing
a ta
rget
fun
d to
fa
cilit
ate
inco
me
choi
ce
in re
tirem
ent
•P
rote
ctin
g ca
pita
l ahe
adof
retir
emen
t
•To
ols
and
calc
ulat
ors
•C
arry
forw
ard/
annu
al
allo
wan
ce/L
ifetim
e al
low
ance
•P
ensi
on In
put
Per
iods
•G
AD
•P
ensi
on
Com
men
cem
ent
Lum
p S
um•
DB
inpu
ts•
Tran
sfer
Val
ue
Ana
lysi
s S
yste
m•
O&
M/s
elec
tion
tool
s
•Fu
nd re
sear
ch:
-Q
uant
itativ
e-
Qua
litat
ive
-R
atin
gs-
Stre
ngth
s-
Wea
knes
ses
-D
iver
sific
atio
n-
Ble
nded
ass
et
clas
ses
-G
uara
ntee
s
•P
erso
nal
retir
emen
t pl
an c
apab
le
of d
eliv
erin
g fu
ture
inco
me
need
s
• Alig
ned
to y
our
chan
ging
ci
rcum
stan
ces
and
obje
ctiv
es
PA G E 10 | MPL W E A LT H M A N A G E M E N T
Pro
vid
ing
inco
me
in y
ou
r re
tire
me
nt
The
valu
e of
adv
ice
Prov
idin
g in
com
e in
you
r re
tirem
ent
-An
indi
catio
n of
the
back
grou
nd s
ervi
ce/c
onsi
dera
tions
use
d to
cre
ate
your
clie
nt re
port
•A
chie
ving
ta
rget
ed
sust
aina
ble
inco
me
in
retir
emen
t al
igne
d to
m
eetin
g liv
ing
stan
dard
re
quire
men
ts•
Pro
visi
on fo
r de
pend
ant’s
and
in
tera
ctio
n w
ith
esta
te p
lann
ing
•C
ontri
butio
ns
reco
rd•
Mem
bers
hip
of
occu
patio
nal
sche
mes
•Yo
ur in
com
e ne
eds
•A
ttitu
de to
risk
an
d ca
paci
ty fo
r lo
ss•
Inhe
ritan
ce
wis
hes
•O
ther
inco
me
•H
ealth
and
lif
esty
le•
Ret
irem
ent
goal
s•
Par
tner
co
nsid
erat
ions
/m
arita
l sta
tus
•D
epen
dant
’s
cons
ider
atio
n•
Inco
me
flexi
bilit
y in
retir
emen
t•
Cha
ngin
g in
com
e re
quire
men
ts
into
retir
emen
t•
Long
term
car
e
•S
hort
term
• M
ediu
m te
rm•
Long
term
•S
peci
fic te
rm•
Aim
s/ta
rget
ba
sed
•C
apac
ity fo
r los
s•M
argi
nal t
ax r
ates
at
retir
emen
t•
Pha
sing
/ dr
awdo
wn
v an
nuity
•C
ombi
ned
solu
tions
•In
herit
ance
pl
anni
ng
•A
nnui
ty:
-C
onve
ntio
nal
-E
nhan
ced
-C
appe
d -
Var
iabl
e -
With
Pro
fit-
Inve
stm
ent
linke
d-
Tem
pora
ry-
Life
styl
e•
Dra
wdo
wn:
-C
appe
d-
Pha
sed
-Fl
exib
le
•O
n de
ath
•Fo
r dep
enda
nt’s
•Fo
r spo
use/
pa
rtner
•In
flatio
n m
itiga
tion
•In
com
e fle
xibi
lity/
va
riabi
lity
•Ti
min
g of
cas
h or
in
com
e an
d m
argi
nal r
ates
of
tax
•H
ealth
issu
es•
Inco
me
grow
th
over
tim
e•
Inco
me
prot
ectio
n•
Ann
uity
rate
ch
ange
s in
the
futu
re•
Con
solid
atin
g pe
nsio
ns•
Cha
ngin
g in
com
e ne
eds
•Im
pact
of
post
code
•P
erso
nal i
ncom
e in
retir
emen
t tha
t m
eets
you
r ne
eds,
is
sust
aina
ble
and
addr
esse
s de
sire
to
pro
vide
for
de
pend
ant’s
•If
appr
opria
te,
parti
cula
rly a
s in
tera
ctio
n w
ith
esta
te p
lann
ing
over
tim
e an
d fo
r ph
ased
and
dr
awdo
wn
solu
tions
MPL W E A LT H M A N A G E M E N T | PA G E 11
Safe
gu
ard
ing
yo
u a
nd
yo
ur
fam
ily a
gai
nst
fin
anci
al h
ard
ship
The
valu
e of
adv
ice
Saf
egua
rdin
g yo
u an
d yo
ur f
amily
aga
inst
fina
ncia
l har
dshi
p-A
n in
dica
tion
of th
e ba
ckgr
ound
ser
vice
/con
side
ratio
ns u
sed
to c
reat
e yo
ur c
lient
repo
rt
•A
chie
ving
af
ford
able
pr
emiu
m ra
tes
to
cove
r cap
ital
and/
or in
com
e sh
ortfa
ll du
ring
the
asse
ssed
ris
k pe
riod
•P
rovi
sion
for
depe
ndan
t’s a
nd
inte
ract
ion
with
es
tate
pla
nnin
g
•P
rodu
ct
suita
bilit
y an
d pr
oduc
t opt
ions
•C
apita
l re
quire
men
ts•
You
r inc
ome
need
s•
Atti
tude
to ri
sk
and
capa
city
for
loss
•In
herit
ance
w
ishe
s•
Oth
er in
com
e•
Hea
lth a
nd
lifes
tyle
•P
artn
er
cons
ider
atio
ns
and
mar
ital
stat
us•
Dep
enda
nt’s
co
nsid
erat
ions
•R
elev
ant f
or
inve
stm
ent
cont
ract
s•
Sho
rt te
rm•
Med
ium
term
•Lo
ng te
rm•
Spe
cific
term
•A
ims/
targ
et
base
d•
Cap
acity
for
loss
•U
se o
f tru
sts
as
appr
opria
te•
Life
of a
noth
er•
Com
bine
d so
lutio
ns•
Inhe
ritan
ce
plan
ning
•Te
rm a
ssur
ance
:-
FIB
-
Inco
me
prot
ectio
n-
Leve
l-
Dec
reas
ing
-V
aria
ble
prem
ium
-C
ritic
al il
lnes
s co
ver
-E
scal
atin
g be
nefit
s•
Who
le o
f life
:-
Fixe
d pr
emiu
m-
With
Pro
fit-
Inve
stm
ent
linke
d-
Non
pro
fit-
Esc
alat
ing
bene
fits
•O
n de
ath
• O
n ill
ness
• O
n di
agno
sis
of
a cr
itica
l illn
ess
• Lu
mp
sum
• In
com
e•
For
depe
ndan
t’s•
For s
pous
e/
partn
er•
Infla
tion
miti
gatio
n
•Ti
min
g of
cas
h or
in
com
e ne
eds
• P
rem
ium
rate
s•
Hea
lth is
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e gr
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hang
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ci
rcum
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se o
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hang
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me
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Impa
ct o
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nal c
over
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the
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er
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ll in
in
com
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ital
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re
to p
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r de
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ant’s
and
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opria
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cula
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tera
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ith
capi
tal a
nd
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tate
pla
nnin
g
PA G E 12 | MPL W E A LT H M A N A G E M E N T
Appendix 1(Extract from Client Agreement)
MPL has three ongoing service level propositions for client’s and the table below represents a brief summary:
Appendix 1 (Extract from Client Agreement)
MPL has three ongoing service level propositions for client’s and the table below represents a brief summary: Foundation Consultancy Private Client
Overall financial planning strategy / objectives, resources, product structure, risk, tax, trusts & estates, non-investment products (e.g. protection)
MPL acts on client’s instructions
Consultant initiates ongoing service with client’s agreed strategy
Consultant and investment manager initiate ongoing service in accordance with client’s agreed strategy
MPL roles Clients have a designated administrator
Clients have a designated administrator and consultant
Clients have a designated administrator, consultant and investment management services
Financial planning review with MPL consultant: level and frequency
As instigated by client Regular as agreed with client, usually annually or half-yearly
Regular as appropriate and agreed with client (annually, half-yearly or quarterly). Continual investment manager input
Communication with clients Occasional e-newsletters
Regular newsletters Regular newsletters, investment reviews and access to client portal
Indication of Charges: Initial Regular
(annual/monthly) Occasional Fees
Minimum advice or
review fee £500 plus VAT
Valuation fees £100 plus VAT
See client engagement agreement
To be agreed in advance between client and consultant. Minimum annual fee £1,000 plus VAT See client engagement agreement
To be agreed in advance between client and consultant. Minimum annual fee £2,500 plus VAT See client engagement and DMS agreement
DMS – Discretionary Management Service VAT may be excluded via ongoing advisory fees where products are recommended at outset
Appendix 2
Strategic review agenda & record form
MPL W E A LT H M A N A G E M E N T | PA G E 13
Appendix 2Strategic Review Agenda & Record Form
PA G E 14 | MPL W E A LT H M A N A G E M E N T
Name of client/s
Date of meeting
Location of meeting
Update of circumstances and objectives (any specific changes since last review)
Pension planning review (contributions and/or income requirements for next period)
Debt and cash flow management (including mortgage)
Protection review (life insurance and income protection)
Investment/Portfolio review (including attitude to risk)
Estate planning review
Taxation review
Action points
Client signature
Client signature
Adviser signature
Date
Notes
45 Doughty Street, London WC1N 2LRTel: 020 7831 4711Fax: 020 7831 3137
http://www.mplwealthmanagement.co.ukRegulated by the FCA (firm number 180309)
MPL Wealth Management Ltd,45 Doughty Street London WC1N 2LR. Tel: 020 78314711 is registered in England No. 3079936
Registered Office PO Box 698 2nd Floor Titchfield House 69-85 Tabernacle Street London EC2A 4RRMPL Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority.
