Leven Wealth is an independent advice firm. In order to be an independent financial adviser, you are required to provide unrestricted and unbiased advice based on a comprehensive and fair analysis of the market. Genuinely independent advice is free from any restrictions that could affect advisers’ ability to recommend what is best for the client. Leven Wealth employs industry leading research tools and is committed to continuing professional development (CPD) to ensure this is maintained. The key areas of expertise are investment, retirement and tax planning and mortgage/ protection planning.
Full fact finding and getting to know you is crucial. “Know Your Client” is central to the regulatory requirements. Detailing assets, objectives, risk tolerance, investment experience, capacity for loss and asking/ inviting questions. Some advisers could go quickly to recommendations without full understanding of the aforementioned - we don’t. Recommendations will directly address your objectives and will be tax efficient, flexible and take the degree of risk that you are comfortable with.
Themes:
Ownership: Who owns the assets and would there be any advantage/ disadvantage to changing this? Making a gift to a trust or assignment of investment for tax planning.
Product: Which contract provides tax efficiency, flexibility, investment choices and competitive charges?
Risk: How should the funds be invested? What are the objectives and how much investment risk is the owner prepared to accept to aim for the objective? How should asset allocation/ diversification be applied and what fund managers should be selected?
Tax rules are constantly changing, technology has changed the product options and investments require ongoing reviews to ensure balance, diversification and fund manager suitability. If you are interested in reviewing your own position then we would be delighted to hear from you.
Your investment may fall as well as rise and you may not get back what you put in.
Your home may be repossessed if you do not keep up repayments on your mortgage.