Process & Fees

Process

Todays investment world is full of data and jargon which can lead to confusion and a sense of being so overwhelmed that there is a tendency to do nothing. With our expertise we have a set of easy steps to ensure you get the best from your money to enable you to live the life you want.

For further detail, see our Client Agreement and Service Proposition documents, linked at the bottom of this page.

Listening

We listen to you so we fully understand what is important in your life now and in the future. We want to know exactly what your goals and aspirations are so we can put in place a plan to achieve them. 

Appraising

Analyse your existing investment and pension portfolio and determine if it can meet those goals that you have set. Fully understand the level of risk you are prepared to take in achieving your goals.

Forecasting

Although equity markets are unpredictable it is important to look at historical performance to understand how different asset classes react to varying economic and political situations. In the short term it is important to have a view of the economic and political landscape in order to position the portfolio correctly. By spreading the investments across different asset classes provides risk management and diversification. Why take high levels of risk if there is no need to do so.

Investment Selection

We advise you on which investments to invest your money into, to meet your attitude to risk and asset allocation.

Regular Reviews and Appraisals

It is imperative that the portfolio is regularly reviewed to take into account any changes in your goals, risk tolerance or short term forecasting.

 

Fees

 

Hicks and McNish have a clear and transparent fee structure. All of our fees are agreed in advance and we do not charge an hourly rate.

For further detail, see our Client Agreement and Service Proposition documents, linked at the bottom of this page.

Introductory Meeting

We offer everyone an introductory meeting which is free of charge. At this meeting, you can decide if our service meets your needs, and if it does, we will provide you with details of our fees specific to your case.

Plan Fees

A fixed fee for creating your financial plan or dealing with a specific area of financial planning.

Review Fees

To provide successful financial planning it is important to monitor and review your plan and the investments. An annual fee is agreed which can be paid from the investment portfolio.