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What we do
Artavia PFS Ltd are authorised and regulated by the Financial Services Authority (FSA) to provide unbiased independent financial advice on a wide range of financial products designed to meet you financial needs, including:
- Pensions
- Investments
- Life and income protection
- Estate planning
- Actuarial Services
- Business succession
As Chartered Financial Planners selecting appropriate practical financial solutions to suit your agreed financial needs, we act in your best interest based on the information supplied to us by you. As you would expect, our financial planning services are completely confidential.
You can choose between:
- One off advice relating to specific matters; or
- A comprehensive, on-going, independent financial review and advice service, based on a schedule of financial review meetings - our Lifetime Adviser Service
All charges are agreed with you in advance and no chargeable work is undertaken without your full knowledge and agreement as to the way in which we will be remunerated.
Our Financial Planning Process for You
To remind you, Artavia PFS Ltd services follow a five stages process; identifying financial planning shortfalls; researching options for correcting these shortfalls; making and explaining recommendations; implementing recommendations once agreed; and reviewing their performance in achieving the objectives agreed.
- Stage 1: Identifying Shortfalls - we review your current financial position; needs and objectives; attitude to investment risks, and agree with you the services we are to provide for you. Of particular importance to us are your budget and emergency savings plans.
- Stage 2: Gathering the Facts – we obtain all the details of your current plans, and estimate whether your current plans will achieve your desired goals. This may highlight further areas of financial planning where a shortfall exists.
- Stage 3: Researching Product Options, Providers and specific plans - when a shortfall is identified, we start by recommending a financial product. This might be, for example, a type of pension such as a stakeholder pension. Using the various electronic research tools, we then research the market place to find a company whose product or service is best suited to your needs.
- Stage 4: Recommendations – based on the research conducted at Stage 2, we make recommendations and provide a written record of these in a bespoke suitability report. The specific reasons for recommending a product type and product or services provider are clearly stated, showing how the recommended product and provider meet your needs and priorities as jointly identified and agreed.
- Stage 5: Implementing our recommendations for you at your request.
- Stage 6: At our Regular Reviews with You, monitor the progress of our recommendations towards achieving the agreed objectives. Again this is at your request and at an agreed level of regular service.
Not all clients join the Lifetime Adviser Service, as they wish only for us to provide a single set of advice, and a separate charge is agreed for this service at the time.
Our Services and Charges
As described above, there are usually three components - an Initial Charge, a Recurring Charge (paid monthly, quarterly or annually) and/or one off Project Charges.
The Initial Charge covers your first chargeable meetings, fact gathering and setting up your financial services file which we refer to as a Discovery Report. If your business is a corporate client - this charge covers the same items for your business, its owner/managers, and their spouses/partners.
The Recurring Charge covers maintaining your financial services file at Artavia PFS Ltd, telephone support and advice to you and your review meetings to your agreed schedule.
Project Charges are one off amounts to cover the required research, preparation and meetings concerning specific advice as described above.
A Discovery Report is charged at £495 and covers Stages 1,2 and 3 of the Lifetime Adviser Service. If you appoint us to implement and provide regular reviews (Stage 4,5 and 6) the cost of this report is included in the agreed renumeration.
Our Services and Charges are detailed in the Client Agreement
Tel: 01392 362362 Email: info@artaviapfsltd.co.uk