How we work

Our approach

Premier Financial Management Ltd sets out to be a practice unlike any other. We see Advice, Strategy, Tax Efficiency and the Implementation of Solutions as our products. We focus heavily on identifying what adds value to clients, which might include: reviewing existing arrangements, helping clients define their goals, managing investment portfolios efficiently, reducing costs, reducing tax liabilities, inheritance tax planning, keeping your affairs well organised and saving you time.

Sometimes we identify solutions that are outside of our area of expertise and we are happy to refer clients to, and work in tandem with, relevant specialists such as Lawyers, Accountants or Actuaries. We are often perfectly placed in a pivotal role to co-ordinate a client’s complete financial affairs.

As Independent Financial Advisers, our primary objective is to understand you and your financial goals.

Understanding your drivers, goals and objectives is key to providing financial solutions that are in keeping with your risk profile and expectations. We will review your existing financial situation and reach a realistic assessment of your likely short, medium and long term financial planning requirements. For this, you will need to set aside some time to talk to us – the first one-hour consultation is free. There’s no charge, and no obligation, while we find out together if it’s worth taking things forward.

Depending on your instructions we will carry out a ‘needs analysis’ based upon your current situation and taking into account any specific plans or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews. You will receive professional advice about where your financial arrangements are already suitable, where they are inadequate or not covered at all.

You’ll also have our help to decide how much provision you need to make and which areas of your finances you should prioritise. Of course, all of this will be sensibly balanced in relation to your current wealth, income and prospects.

In almost all cases we are able to recommend solutions and obtain terms in the market place which clients would be unable to access for themselves. All our proposals will be fully explained and costed, so that you’ll know exactly what and why before any plans are implemented.

The Financial Conduct Authority does not regulate taxation and trust advice

 

What we do

We provide a comprehensive financial advice service and are committed to being fully independent, thus offering advice on products and solutions from the whole of the market.

We base our recommendations on performance, service, cost, corporate stability and suitability for your circumstances.

Our main aims are to:

  • provide a personal and professional service to our clients
  • surpass client expectations
  • provide reports and advise using language you will understand
  • invest in and utilise the potential provided by the latest technology for gathering information and for communicating where appropriate
  • earn the trust and respect of our clients through our expert knowledge and up-to-date awareness of industry developments

Our Approach to Financial Planning