Helping you plan for the future with confidence
As Chartered Financial Planners in Surrey, the cornerstone of our services is the Financial Planning Service which operates either as a singular process or as a gateway to one of our ongoing review services, such as Wealth Management or Investment Management.
Evaluating Your Financial Situation
We believe that in order to provide you with a comprehensive and effective financial plan, we must first understand you as a person and your unique aspirations by undertaking a comprehensive financial review. By knowing everything we can about your family and your personal circumstances we are able to develop a highly tailored financial plan to meet your goals and objectives. No two financial plans are the same and we invest the time to make sure that our recommendations suit all of your needs. Most importantly, any advice that we give is 100% independent so you can be sure we have your best interests at heart.
As part of a full financial review we will usually consider the following areas:
- Protecting you and your dependants
- Tax mitigation
- Pension planning
- Investment planning
- Estate planning
When you place your trust in our team, you can be sure that you are receiving personalised and independent advice from a financial planning firm with over 50 years of experience.
The Financial Planning process
During the initial appraisal we will gain an understanding of your circumstances, priorities, preferences and objectives. This usually involves a face-to-face meeting or pre-booked telephone conference. This stage of the process is carried out without charge or obligation. Following the meeting we will reach agreement regarding the scope of work to be undertaken and how it is to be paid for before we progress.
If you decide to proceed with advice, we offer a flat fee financial plan for just £1,250 +VAT.
Following the initial appraisal we will research and analyse the information provided and come up with our best recommendations, highlighting your options. We will then issue you with these recommendations in writing, usually in the form of a bound report.
Once you have had time to digest the report we will check that you fully understand our recommendations. Once you are happy with our proposal we will ask you to confirm acceptance of our terms and conditions before we administer the implementation of your new strategy.
I first met Simon Lewis at a pre-retirement seminar run by my employer in mid ‘90s. It was my first experience of wealth management and at that time had little surplus wealth to invest, but I signed up. I retired after a career which included long periods on contract working outside UK, and so I have neither a full state pension, nor a maximum employer’s pension. Management of our savings is thus of great importance, as regular withdrawals provide a top up to our income. Over the years we have learnt more about PMW and Simon, who is now CEO, and have come to trust their investment philosophy. It is completely tailored to our requirements, as a result of in depth and regular discussion with us. PMW have what I regard as an intensive doubting style. They do not take potential investment funds at face value, but dig under the surface to determine whether the fund is sound, before investing. They also ensure that the fund continues to perform. Not only are we able to withdraw a regular income from our savings and achieve an agreed, and satisfactory, capital appreciation, but we have also called on our funds from time to time to buy a larger item such as a new car, and the funds have been released and available quickly. We have no hesitation in recommending PMW to you. Our funds are managed prudently and professionally and we have confidence that they will manage your funds in the same way.
“The people that I know, that I may talk to about financial matters, are very aware of the service that I have received from PMW. I have discussed with them how much I value the advice I receive, the efficient way my portfolio is managed and the comprehensive way the investments are made for me – I appreciate the time taken to explain the investment plans (which I mainly understand!). I think that the financial security that PMW gives me, which my friends/colleagues see, is the best recommendation I can give.”
“We can rely on PMW’s guidance and knowledge with the various markets. Whilst I take a bird’s-eye view of what is going on in markets, it is reassuring that we know that PMW can deliver an in-depth view – that over time has proved to be successful”
“After 40 years of advice we feel that our finances are sound and being very effectively managed. We are regularly updated and meet every six months when we have a very comprehensive meeting reviewing the past and planning for the future. We are confident that future generations will be provided with their astute advice.”
“Confidence in one’s financial adviser is crucial and this can only be acquired over time. However, once one is satisfied that you are receiving the best advice, it is possible to put your trust in your adviser. We are currently in that happy position and continually thank the day that we first approached PMW to help us out of, what was then, a rather tricky position.”
“Excellent and very thorough – especially when detailing the more complicated elements.”
“Due to your careful oversight my income is enough for my needs, and the investment is not decreasing.”
“We have appreciated the warm and personal approach of PMW. No request has been too much trouble.”
“The quality of advice and follow-up service has been excellent in every respect.”