The Process and our fees
We understand that by appointing us as your independent financial advisers you are placing your trust in us. Our advisers are highly qualified and operate to strict ethical guidelines. Among other things they are required to:
Explain clearly the areas on which they advise and the services they offer. Act in your best interests at all times and with total integrity. Discuss and agree to fees and payment options in advance, before undertaking any work you ask them to do.
We offer different levels of services, all of which have the flexibility to be tailored to suit your particular requirements and the complexity of your financial circumstances. They are set out in this brochure and your adviser will help you decide which is best for you.
To gain a complete picture of your overall financial position you must make sure you give us all the facts about your current circumstances, income, expenditure, savings, investments, insurance, and all other relevant information. This will enable us to research recommendations tailored to your financial needs and goals.
Agreements
As a truly independent financial adviser, we are not restricted in any way. This allows Pareto to reach out to the whole financial market when sourcing products and investment solutions.
We have a range of services available, each with its own charging structures and your Pareto adviser will be happy to explain the differences and options as part of the advice process. We firmly believe our ongoing client relationships are the true endorsement of our recommendations and we work hard to ensure our ongoing services are appropriately matched to our client needs.
Indicative details of our charges for advice, implementation and ongoing services can be found within our services and fees document, which will be discussed in our initial meeting with all clients, alternatively, it can be requested should you wish to contact us.
Your Pareto adviser will ensure that as a client you are treated as an individual and you are involved in agreeing to any charges before you choose to proceed with Pareto.
Terms and conditions
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk
Please note: All calls to Pareto Financial Planning landlines and mobile phones are recorded for training and monitoring purposes.
