FOR A BRIGHTER
FINANCIAL FUTURE
YOUR FINANCIAL NEEDS We all have financial needs, and finding an affordable solution to meeting those needs is an area that many people seek advice upon. Your needs today could be significantly different to those of the future. Financial planning can provide a means of reducing current tax liabilities as well as enabling you to provide for your future. You may wish to plan for a child’s education or the purchase of a dream home or perhaps for income in your retirement. No effective financial plan can ignore the effects of outside influences like accidents, long term illness or loss of employment. It is also important to consider the effects on others were you to die. Our Independence As Independent Financial Advisers, our business has no links or ties to any one product provider. We can access Life Assurance, Mortgages, Pension or Investment products from across the whole marketplace.
2
broadgatefm.com
Our expertise is at your disposal All our advisers are qualified and look to provide you with professional and impartial advice. We always look to find solutions for your needs that work throughout the many different stages of your life. Insurance and Investment products differ greatly in areas such as tax treatment, charges and investment returns. We constantly monitor the whole market to ensure you receive advice about the product that best meets your needs. Who we are and what we do Broadgate Financial Managements advisers have between them in excess of 100 years experience in Financial Services. Our advisers experience and knowledge of the marketplace has enabled Broadgate Financial Management to tailor advice to our clients needs. Our service provides a rigorous five-step approach to- financial planning. The initial meeting will be free of charge and there is no obligation on your part:
broadgatefm.com
3
Step 1 - Discovery In order to advise you well, we need to develop a thorough understanding of your goals and objectives, as well as your personal and financial circumstances. We will also assess your attitudes to taking financial risks. Step 2 - Agreeing your financial strategy Based on the information we gather, we will develop a personalised long-term financial model, based on some reasonable assumptions. By demonstrating the options and trade-offs available to you, this phase will help you refine and prioritise your goals and objectives and will provide us with an agreed financial strategy on which to base our detailed recommendations. Step 3 – Analysis & Recomendation At this stage we carry out extensive research, analysing your existing financial arrangements in the context of the agreed strategy. We will then make detailed, personal recommendations in regard to financial products, institutions and investments. Step 4 – Implementation Once you have agreed our recommendations, we will make all the necessary arrangements to implement your plans. We will act on your behalf with the financial institutions to set up new products and carry out any changes to existing arrangements that we believe are in your best interests. Step 5 – Ongoing review & monitoring Your objectives are likely to change over time, just as your personal circumstances and the world will change. For this reason, effective financial planning is not a one-off event; your investment portfolio and protection arrangements will be reviewed on a regular basis.
4
broadgatefm.com
About Us Since our formation, Broadgate Financial Management have built up a reputation of providing high quality, face-to-face advice on all aspects of financial planning. We have invested in the most up to date technology and industry software to ensure that we are in a position to deliver the highest level of financial solutions for our clients. We also employ the services of third party specialists to provide additional support where financial planning is more complex and requires a higher degree of expertise. At Broadgate Financial Management we split our services into 3 categories: 1. Broadgate Financial Management Financial Solutions is our Financial Planning service offering face-to-face financial solutions for personal and business clients. 2. Broadgate Financial Management Mortgage Solutions provides solutions from across the residential mortgage market including all types of mortgage. 3. Broadgate Financial Management Business Solutions provides a unique, premier service in commercial finance and commercial insurance. BROADGATE FINANCIAL MANAGEMENT Financial Solutions BROADGATE FINANCIAL MANAGEMENT Financial Planning Solutions are as flexible as your future. Here’s a flavor of the solutions we offer: '' Protecting your assets and income from a range of Life Assurance, Critical Illness Assurance, Income Protection and Mortgage Protection products. '' A full retirement planning service including, Stakeholder and Personal Pensions. '' Investment planning, including lSAs, Bonds and Unit Trusts. '' Estate presentation including Inheritance Tax Planning and an introduction to a Will Writing Service. '' Business Assurance, covering Keyperson, Director Share and Partnership Protection. '' Corporate Pension Planning Service, focusing on Self-Invested Pension Plans and Group Retirement Schemes. broadgatefm.com
5
BROADGATE FINANCIAL MANAGEMENT Mortgage Solutions We recognise that your home purchase will be one of the biggest financial decisions you make during your lifetime. BROADGATE FINANCIAL MANAGEMENT can help you make the best of home ownership, thanks to our privileged relationship with market leading lenders. A Personal tailored service to suit your circumstances. Providing solutions across the residential mortgage market from unsecured loans to general insurance and banking. Our initial consultation is free of charge, however, there may be a fee for mortgage advice, the exact amount will depend on your circumstances but we estimate that it will be ÂŁ120 for existing clients & ÂŁ240 for new clients. '' Access to most major lenders, our independent position ensures that we can choose the solution that is best for the client, not the package best for the lender. '' Access to most of mortgage deals in the marketplace. '' Exclusive deals from major lenders. '' Premier service from top lenders. '' Speedy tum-around times. '' Face-to-face or telephone advice. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Suitable security and adequate life cover may be required by loan providers. As licensed credit brokers, written quotations are available on request.
6
broadgatefm.com
BROADGATE FINANCIAL MANAGEMENT Commercial Solutions A unique premier service, commercial finance and insurance; our success is built on sound business principles '' The right people - our Advisers offer a wealth of knowledge and expertise to help you select the night solution. '' The right service - we endeavor to find the right solutions. From initial contact to the final solution, we help and support the process. '' The right providers - our network of lenders extends to well over 50, and our independent position ensures that we can choose the solution that is best for the client, not the package best for the lender. Our portfolio covers many diverse market’s, from engineering, to marine, to professional practices, as well as the traditional commercial property market.We source finance up to £20m at some of the most competitive and flexible terms available on the market. We can access a wide range of repayment options including capital holidays, investment/pension derivatives, and interest only. Funds can be raised from 70% to 100% for commercial property proposals, including bridging finance and non-status enquiries. (Extra security may be asked for 100% funding) All this sets us aside from many, and results in a mutually rewarding experience for all.
broadgatefm.com
7
Our Company Charter The only thing that comes as standard is our high quality service; everything else is tailored to each client’s needs. Our experience has taught us two valuable lessons, what people really need from an Independent Financial Consultancy company, and how to provide what they need at the very highest standard. Finances influence every part of our lives. With a little careful planning and expert advice, your finances can be changed from a cause of restriction to a source of freedom. Our clients have the right to expect a lot - honesty, professionalism, innovation and value for money. We’ve built our business on delivering much more. We go out of our way to ensure that clients get continuity, choice and deal with a firm that they can trust.
Broadgate Financial Management LLP Studio 1, The Old Offices, Urlay Nook Road Eaglescliffe TS16 0LA T: 01642 793470 F: 01642 793475 E: enquiries@broadgatefm.com www.broadgatefm.com
Broadgate Financial Management LLP is authorised and regulated by the Financial Conduct Authority. Company No 589112