Our retiree clients love the old-fashioned local service. Because we live and work in your local community it means we get to know you just like the old local bank manager knew you and you knew him.
This means that whenever you need us you can be assured we will be there to pop round and help you.
We offer a one-on-one, face-to-face service. This level of service may seem old-fashioned but we believe important financial decisions should be deliberated over carefully, on a face-to-face basis with someone who knows your financial and life situation intimately.
This means that on an on-going basis we will be fully attentive to your financial needs. From carefully explaining your investments to you in words you understand to organising your paperwork we will be with you every step of the way.
You can count on us to have the best qualifications in the industry.
Our knowledge and technical expertise far exceeds the minimum requirements as set by the Financial Services Authority and in fact we are amongst an elite few Financial Planners in the UK that have been invited to Fellowship of the Personal Finance Society - the pinnacle of a Financial Planners career.
Indeed, from our Chartered Accountancy background, to our Chartered Financial Planning status, through to our Fellowship of the Personal Finance Society you can be assured we possess the requisite knowledge to keep you on track.
We are a fiercely independent local family firm.
We have absolutely no affiliation or link to any bank, life company or national firm of advisers meaning we are able to recommend independent financial plans which are right for you.
If you encounter a financial adviser from a bank or national firm it is likely he or she will have monthly sales targets and pressure to shoe-horn clients into template, generic solutions or tied providers contractually agreed at a national level. With Wealth West these issues disappear.
We are free to work purely in the interests of our clients in a personalised manner. It really is what is right for you. It is all about you.
When I first met Alice she said her husband, Geoff, deals with the finances and he was out fishing. In reality it could have been fishing, sailing, golf, tennis or any number of active pastimes. In between trips to the lakes and the golf course we do thankfully get to sit down and review the finances.
We review their income needs pretty regularly, making sure their portfolio is yielding enough income to pay for the activities and not infrequent holidays abroad. At the last review we re-balanced the portfolio slightly to create more income and reduce the overall risk – Geoff said it was so refreshing that this was all included in the service with no hidden charges.
I think Alice and Geoff just like the fact they have someone local who they know is looking out for them. It allows them to get on with enjoying retirement safe in the knowledge they have someone close by reviewing their financial situation and keeping them up to date with any changes.
We have become pretty close to Frank and Joan. Frank is a retired head-master in his 80’s and tends to deal with the finances although he’s not as keen as he used to be on keeping up to date with things and likes the fact that I’m looking at things for him. Joan’s health has deteriorated in recent years and leaves the money side of things up to Frank and myself.
We work closely with Frank face to face, popping round to see him pretty regularly. Even if it’s just to get an update on his cricket memorabilia collection! He’d accumulated a large portfolio of shares and unit trusts when we first met. We’ve been gradually moving the money to national savings accounts and fixed rate bonds to reduce the risk.
We’ve recently had a number of meetings with Frank and Joan’s solicitor with regard to estate planning. They did take out a trust a few years ago but recent legislation has meant it needs updating. We are keen to get that sorted now, so there are no unpleasant surprises down the line.
Anne’s late husband had always dealt with the family finances. Her son was in Australia and daughter lived in London. I think we met at just the right time really because Anne was a bit lost really in terms of what to do.
We spent a great deal of time organising her financial situation. We spent many an afternoon over cups of tea and various home-baked cakes (Anne – still the best!) explaining the different types of investment and policy she owned and how relevant they were to her circumstances.
Anne loves the fact I’m not there to sell her anything - it is all about what is right for Anne and making sure we keep her on track.
I got a lovely thank you note from Anne’s daughter for my support during this time. Made me realise what I do the job for.