About Baggette & Company Wealth Management

When it comes to making your money and investments work for you, you need a relationship you can trust.

At Baggette & Company Wealth Management we invest time in understanding your financial goals, helping you plan towards a financially secure future.

Our Advice Process

We aim to provide all clients with clear financial direction. This is achieved by having a full understanding of your current financial position, your objectives and identified needs, this enables us to provide suitable solutions for you.

Stage 1

Initial Consultation Meeting

We offer a complimentary consultation of up to one hour. The purpose of this is to identify your personal circumstances, needs and objectives, consider your attitude to risk in terms of investment, time frame and capacity for loss. It will establish what benefits would result from using our services, outline associated costs such as initial and ongoing fees and give you the opportunity to appoint us.

Stage 2

Review and Recommendation

This could involve a specific review of particular issues you feel require attention or could involve a complete overview of your entire financial situation.

Any or all of the following issues could form part of our review process and we would agree on this at the initial consultation:

  • Investment Review
  • Pension Review
  • Retirement Planning
  • Inheritance Tax Planning
  • Long Term Care Planning
  • Protection Revie

Stage 3

Report Presentation & Implementation

Report
The report will comprehensively outline your current position and will detail our professional observations in each area. By examining these observations against your stated objectives, we will recommend the actions we believe will, if followed, reduce the barriers to your objectives, minimise any risks we have identified and maximise the opportunities for achieving your goals.

The report will also contain the supporting information behind the recommendation including, where applicable, illustrations and product brochures (including key features documents).

Implementation
This part of the process only begins once we have agreement on the strategy to be put in place. This may involve arranging investments or acquiring products on your behalf or simply implementing a specific financial planning process, such as estate planning.

Stage 4

Ongoing Review and Management

An ongoing review service has always been integral to our business as we believe that this can add significant value to both individuals and businesses.

The purpose of this is to develop our planning strategies over time to take account of your changing circumstances and objectives as well as developments in economic conditions or legislation (taxation etc). It also gives us the opportunity to give you access to new ideas and financial products.

We offer the following ongoing service propositions:

  • Premier Financial Planning
  • Standard Financial Review
  • Basic Retainer Based Service

Please see below for more information.

Our Service Propositions

Basic Retainer Service

  • The passing on of policy information
  • Access to regular financial news bulletins via our website
  • Maintenance of your records and completion of policy administration on the arrangements we have advised upon

Standard Financial Review

  • Annual face to face review meeting with a qualified adviser
  • Telephone and email contact with your Financial Adviser
  • Telephone and email access to our client administration team
  • An annual Consolidated Portfolio Valuation Report
  • The processing of any forms and documents following reviews
  • Access to regular financial news bulletins via our website
  • Maintenance of your records and completion of policy administration on the arrangements we have under our management

Premier Financial Planning

  • Annual face to face comprehensive review meeting with a qualified adviser
  • Telephone and email contact with your Financial Adviser
  • Telephone and email access to our client administration team
  • A 6 monthly Consolidated Portfolio Valuation Report
  • A monthly review of your Model Portfolio through our Investment Committee
  • Evaluation and future monitoring of original investment funds
  • A full suitability report on our portfolio modification recommendations
  • Implementation of any changes to investments, this includes reviewing asset allocation and attitude to risk

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  • The processing of any forms and documents following reviews
  • Administration of your income and lump sum withdrawals
  • Self Assessment ‘friendly’ investment income reports and capital gains tax estimates*
  • Complimentary Invitation to topical seminars
  • Liaison with other professionals as required e.g. third parties such as solicitors
  • Access to regular news bulletins updating you on current financial issues via email, post or our website
  • Information on your investment or policies both upon request and annually
  • A Bed and ISA service reminder each tax year
  • Maintenance of your records and completion of policy administration on the arrangements we have under our management