OUR APPROACH
Brady Financial Planning will always act with integrity, and you will always be treated how you would expect to be treated. We aim to do that by providing a service and advice that is first class, but also at a cost you would expect to pay and how we do this, is simple.
KEEPING THE COSTS DOWN
LOW UPFRONT FEE
Fairs fair, it’s your hard-earned cash, and whilst we want to manage that for you, we don’t expect to take a large chunk upfront for that privilege.
Our aim is to work with you for the long term, so let’s start on the right foot.
FAIR ONGOING FEES
Compared to other financial service providers, you’ll pay a fair annual fee giving you access to your professional adviser, ongoing reviews and monitoring of your investment position and strategy, ensuring that you are on target to meet your goals.
Once more, our aim is to work with you for the long term, so let’s not allow fees to get in the way of a positive desired outcome.
NO INITIAL FEES FOR TOP UPS & SWITCHES
Would you expect to pay a further fee for adding funds to your investment that had previously been recommended? We don’t think so, so unless there has been a change in personal circumstances, we will not charge for adding extra money to your investment. Neither will we charge for switching funds in the future, ensuring that your investment strategy remains suitable and appropriate to meet your goals.
LOWER RESEARCH FEES
Lower Research Fees – We understand that buying your first home or the cost of moving can be expensive; therefore, you’ll pay a fair fee to us for covering the cost of researching the market to find you the best mortgage deal. This applies to Lifetime Mortgage’s too. We’ll be open and honest and tell you that we don’t do things for free, we’ll be paid a procuration fee from the lenders once your mortgage has completed. We aren’t greedy.
TRANSPARENCY OF FEES
You can expect to know exactly what you’ll pay for the advice you receive from us before you commit to our recommendations. Whilst the majority of our income is based on fees, we do still receive commission from insurers for arranging personal protection, of which, will be fully disclosed to you at the point of our recommendations.
CLEAR COMMUNICATION
We are advocates for clear communication and avoiding industry jargon.
We will not hide anything from our clients, such as costs, whilst providing easy to understand advice and charges.
NO HOSPITALITY
We’re busy looking after our clients and don’t want to feel we owe any favours or have a bias to any provider.
Consequently, providing true independent advice you can trust.
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.
OUR FEES
What you pay
Overpaying for financial advice and products can impact on your retirement goal, in fact, for any goal for that matter.
Our low-cost approach can save thousands of pounds each year versus any comparable service. There are usually three types of fees you’ll pay, our advice, investment funds and platform charges.
