Wealth
Indigo Wealth clients may need to keep regular contact with their dedicated support team and can expect a priority response from Indigo, along with 24/7 online access to their entire portfolio and other financial data. Pertinent industry magazines will be also sent through the post quarterly.
An Indigo Wealth client would want to partner with Indigo to develop an investment strategy reviewed face to face annually to ensure a more proactive approach to planning.
The more complex financial circumstances of Indigo Wealth clients may require dedicated focus on estate and trust planning to achieve effective tax mitigation, and clients may also need complimentary assistance with annual self assessment returns.
Indigo Wealth clients may also feel the need to fully understand their financial picture in 5, 10 or even 15 years from now. Lifetime Cashflow Planning is a feature of our Wealth service, and is centred around a detailed cash flow modeller which helps ascertain goals and lifestyle targets, using assumptive projections to help visualise the future from a financial perspective.
The fees for this service are based upon a percentage of funds under management. Our Ongoing Service Agreement and Charge Card can provide more information.
We would expect Wealth clients to typically be concerned about:
- Understanding their present financial position
- Forecasting their lifetime cash flow needs
- The structure of their existing investments and pensions
- The amount of risk they are taking
- Ensuring all their capital is invested tax efficiently
- Achieving their growth performance targets/benchmarks
- Aiming for income/ and or growth from capital invested and drawdown pensions
- A greater emphasis on estate planning and tax assistance
Included in the Wealth Service:
- Pro-active ongoing service for clients with large investment holdings (£500,000 +) which may be in a variety of differing tax wrappers, fund strategies and planning solutions. There is likely to be a stronger emphasis on all elements of tax mitigation as well as legacy and estate planning
- Also suited to clients in Retirement Drawdown who require close monitoring of their invested pension savings through cash flow modelling and tax efficient income withdrawal
- Scheduled annual Financial Healthcheck reviewing any changes to client circumstances, the financial plan and legislation. Supported by detailed Valuation Reports and fund performance analysis
- Half-yearly portfolio update report by email
- Unlimited telephone and email access to dedicated support team and IFA
- Entry to our interactive website with Client Portal facilities for remote portfolio access
- Regular fund-switching and portfolio rebalancing as part of Indigo’s Portfolio Service
- Fully inclusive access to all investment strategies including bespoke portfolios, themed approaches and Discretionary Fund Management
- CGT and IHT planning service including Trusts and Shareholder Agreements
- Annual Bed and ISA processing
- Quarterly “Your Finance matters” magazine and Budget updates
- FEE FREE investment top-ups for any on-line platform investments (not pensions)
- Investment/Pension top up fees reduced to 1% capped and collared at £200 min, £500 max)
- Free new wills (or codicils) through Indigo Will Assist (max £250 per couple)
- £250 discount off Lasting Power of Attorneys / Property Trusts through Indigo Will Assist
- Free Financial Review and Recommendation Plan for immediate family members saving £995
Your commitment to us as a Wealth client:
That you will:
- Assist in data preparation for meetings initially and from time to time as requested
- Provide all the documents and information requested
- Inform your Adviser of any changes to your personal or financial situation
- Participate in review sessions
- Respond to office requests in a timely manner
Charge for this level of service:
0.75% per annum of funds under management, subject to a minimum of £3,750 and a maximum £7,500 per annum.