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Our Approach


Truly Independent Ltd® provides independent financial advice to both individuals and businesses on a fee basis; the cost for our first consultation is covered by us.

We provide unbiased and unrestricted financial advice, with a view to protecting and enhancing our client's wealth and sense of well-being.

Our initial meeting is usually without charge after which we provide in writing a full explanation of costs. We do nothing until we have a thorough understanding of our client's requirements.

With that knowledge, we can identify the products that will enable our clients to achieve their goals delivered by an entirely personal service.

We then prepare and analyse recommendations, assessing benefits against cost.

Our final proposals are well-researched and constructed on the basis of what's best for our clients and nobody else. And of course, we are prepared to work alongside our client's Accountants and Solicitors.

We firmly believe in the importance of working together to build rewarding relationships and working closely with our clients enables us to help them fulfil and achieve their objectives.

Truly Independent Ltd® focus on flexibility, offer a wide range of investment options and different price structures to choose from including a fully bespoke charging option.

Our qualified advisers cover the whole financial services market. Whether you are seeking to build an investment portfolio or creating a tax-efficient retirement strategy we have the expertise to provide the answer

We believe it is important to have a disciplined approach towards developing a successful financial planning strategy and follow this process:

The Financial Advice Process

There are four stages to the financial advice process:

1. Initial consultation 'Understanding your situation'
2. Financial Review, Advice and Plan Recommendation
3. Arranging and Implementation of our Plan
4. On-going Information and Adviser Support

1. Initial Consultation

The initial consultation will comprise of an initial meeting with one of our qualified Truly Independent Ltd® financial advisers to:

Discuss our advice process and the costs involved;
Provide you with an opportunity to ask questions and understand what we do;
Provide us with an opportunity to establish what your financial needs are:

By gathering information about your existing financial arrangements and full personal circumstances

By understanding your investment knowledge and attitude and tolerance towards investment risk

2. Financial Review, Advice and Plan Recommendation

We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include:

understanding your situation by using the information gathered at your initial consultation;
researching the market to identify suitable solutions for your specific needs;
the recommendation of an asset allocation model that matches your investment risk profile and the subsequent assessment and suitability of any existing investments;
analysis and design of your investment strategy;
presentation of your plan recommendation.

We will provide you with our research and plan recommendation. A clear breakdown of what our charges/fees are for setting up your plan are included in our presentation as well as the Client Advice Agreement.

3. Arranging and Implementation of your Plan

The arranging and setting up of our plan recommendation includes where appropriate:

Handling of all fund and policy administration on your behalf;
Regular updates to keep you informed of progress;
Ensure all your documents are issued in line with your expectations;
Confirmation of all actions taken on your behalf in writing;

Our initial fees for this part of the service are covered in detail within our Client Advice Agreement.

4. On-going Information and Adviser Support

Your financial and personal objectives may change over time due to changes in your lifestyle or circumstances. We believe it is essential to ensure that the investment or pension portfolio we recommend continues to meet your lifestyle and investment objectives. We offer our clients three levels of on-going information & Adviser Support facilities that can give you 'access' to:

Structured reviews

Assessment of your current circumstances and any changes to your plans that are needed
Regular updates and information regarding your investments
A choice of differing levels of support depending on your needs
Ongoing support with correspondence and administration issues

This process has to be underpinned by a joint commitment from both Truly Independent Ltd® and our clients in order to ensure the successful completion of their financial goals.


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