Fair Value Statement
We are committed to providing our clients with the highest standards of financial advice
Modern | Dynamic | Honest
Introduction
Celtic Financial Planning Ltd, Chartered by the Chartered Insurance Institute (CII) and directly authorised by the FCA, is committed to providing our clients with the highest standards of financial advice. We take our responsibility seriously, as you trust us with your money and long-term financial well-being. Our goal is to ensure that the services we provide align with the value you receive, delivering fair, transparent, and comprehensive financial solutions that meet your needs.
Our Services and Client Profile
Our services cater to a wide range of clients, from those in the pre-retirement phase to those actively managing assets in retirement. We typically work with clients who have a net worth between £100,000 and £10 million, seeking a balance between income and capital growth through long-term investments. We focus on clients who understand the value of ongoing professional advice and are committed to achieving their financial goals.
Investment Philosophy
At Celtic Financial Planning, our investment philosophy is built on preserving your wealth while seeking growth opportunities. We understand that you trust us with your financial future, and we take that responsibility seriously.
- Smart Diversification:
Diversification lies at the core of our approach. As the old adage goes, “Don’t put all your eggs in one basket.” By diversifying your portfolio across a range of carefully selected asset classes, we aim to reduce risk while maximising potential returns. While diversification does not eliminate risk entirely, it helps smooth out the peaks and troughs, creating a robust portfolio designed to withstand market fluctuations. - Designed Around Your Personal Goals:
We take the time to understand your investment goals, time frame, and risk tolerance. Your portfolio will be tailored to balance risk and reward according to your personal objectives. Additionally, we align your investments with your values, ensuring that your money supports companies that share your principles while avoiding those that don’t. - Rigorous Risk Management:
We approach your financial well-being with caution and care. Our Investment Committee continuously monitors market activity and adjusts our investment policies accordingly. We do not rely on past performance as an indicator of future success, and we avoid unnecessary risks by conducting thorough due diligence on every investment.
Initial Advice Process
As a Chartered firm, our initial advice process is rooted in professionalism and transparency. We begin with a comprehensive discovery meeting to understand your financial goals, risk tolerance, and current situation. From there, we conduct detailed research to provide tailored recommendations that align with your best interests. Our clients receive clear explanations of our services, fees, and how our advice supports their financial future.
Annual Review Service (where applicable)
Our annual review service is a key component of our ongoing relationship with clients. We use this opportunity to reassess your financial plans, ensuring they remain suitable and aligned with your goals. By keeping you informed of market trends and regulatory changes, we help you stay on track to achieve your objectives. This commitment to ongoing support reflects our dedication to delivering fair value and upholding our consumer duty.
Cashflow Planning/Forecasting
Cashflow planning is a powerful tool we use to give clients clarity on their financial future. By modelling different scenarios, we help you understand how your investments are likely to perform and how market events could impact your goals. This proactive approach to financial planning enhances your confidence and peace of mind.
Family Protection, IHT, and Estate Planning
Planning for unforeseen events is a critical aspect of our service. We help you assess potential risks and ensure you have adequate protection in place for yourself and your family. Our estate planning services minimise tax liabilities, preserving wealth for future generations and ensuring that your loved ones are cared for when you’re no longer around.
Retirement Planning
Retirement planning is one of the most valuable services we offer. With over 25% of our clients currently in retirement, we understand the importance of ongoing monitoring and adaptation of retirement plans. Our goal is to ensure that you can enjoy a stress-free retirement, knowing that your financial future is secure.
Long Term Care and Tax Efficiency
We simplify the complex decisions surrounding long-term care, providing clear and actionable advice. Our tax efficiency strategies help you maximise your after-tax wealth, ensuring you don’t pay more tax than necessary.
Market and Product Research
Our recommendations are based on thorough research and analysis of the whole of the market. We use professional tools to evaluate providers and products, ensuring that our advice aligns with your goals and offers the best possible value.
ESG and Ethical Investments
With growing interest in socially responsible investing, we research and recommend a range of ESG portfolios that balance ethical considerations with financial returns. We ensure the ESG strategies align with your goals and objectives, ensuring that you can invest according to your values without sacrificing potential returns.
Summary
At Celtic Financial Planning Ltd, our Chartered status and commitment to consumer duty guide our holistic approach to financial planning. We provide comprehensive services that address more than just financial goals—our advice considers life, family, and intergenerational wealth. We believe our service delivers fair value, as approved by our board, and we are dedicated to maintaining the highest standards of professionalism, transparency, and client care in everything we do.
Frequently Asked Questions
Fair value means that the cost of the advice and services you receive is proportionate to the benefits delivered. This includes the quality of advice, ongoing support, expertise and outcomes achieved.
Our aim is to ensure you receive clear, structured financial planning that provides ongoing value over time, not just a one off recommendation.
We regularly review our services, costs and client outcomes to ensure they remain appropriate. This includes assessing the quality of advice, the level of ongoing support provided and whether your financial plan continues to meet your needs.
We also operate under strict regulatory standards, including Consumer Duty, which requires us to consistently act in your best interests.
Our fees reflect the time, expertise and ongoing support involved in delivering financial planning. This includes understanding your circumstances, providing tailored recommendations, implementing solutions and offering ongoing reviews and guidance.
We are transparent about our fees, ensuring you understand both the costs and the value you receive.
Ongoing reviews are provided as part of our ongoing advice service. Where this is in place, we regularly review your financial plan to ensure it remains aligned with your goals, circumstances and the wider financial environment.
If you do not proceed with ongoing advice, your plan will not be actively reviewed, so it is important to consider how your arrangements may need to be updated over time.
Can we help?
If you’d like to discuss your financial planning, explore how we can support your goals, or make a general enquiry, we’d be happy to hear from you — simply complete the form or use the contact details below.
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