2022-03-22 GDD

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Our customer proposition for ‘Estate Planning’ This service is suitable for customers requiring advice on the immediate gifting of assets and maximising the value of the estate to be passed to beneficiaries following death. This service is not suitable for customers requiring limited advice or one-off advice. We will establish that you have adequate Income and capital to meet your needs. Including provision for long term care, in order to assess the level of any surplus capital that may be used either to provide immediate gifts or for passing into trusts for the purposes of reducing exposure to inheritance tax. Where it is necessary to take out insurance to cover the shortfall in the amount of Inheritance tax your estate may be liable to pay, we will examine features, charges and financial strength of providers and recommend those who best meet your needs. We will also advise you on establishing wills, power of attorney and other legal arrangements necessary to care for you while alive and reduce delays in settling your estate after your death. If you do not already have a solicitor, we will arrange to introduce you to a suitable local practice. Once we have provided our advice, and we have received instructions on how the customer wishes to proceed, we will then arrange for the agreed transactions to be carried out. Where you have asked us to provide continuing oversight, we will also: • Forward any relevant communications received from product providers from whom you have transferred servicing rights responsibilities to us. • Monitor any changes in legislation, tax allowance, product terms and product provider status and notify you where these impact on those objectives, attitude to risk and personal circumstances you have notified to us. • Undertake a formal review of our original advice and recommendations at intervals of twelve months. In the event of your death, we will provide your dependents with a comprehensive range of support and advice services to allow them to manage funeral and other financial arrangements Page 32 of 34 General Disclosure Document 23/3/2022
How much does it cost? Value of estate in the event of death Charge rate £0 - £499,999 £750.00 £500,000-£999,999 £1,500.00 £1,000,000 - £2,999,999 £2,500.00 £3,000,000 - £4,999,999 £3,500.00 £5,000,000 + - By arrangement • To provide continuing oversight: Value of estate in the event of death Charge rate £0 - £499,999 £250.00pa £500,000-£999,999 £750.00pa £1,000,000 - £2,999,999 £1,250.00pa £3,000,000 - £4,999,999 £1,750.00pa £5,000,000 + - By arrangement As an example - Let us say the existing value of your estate in the event of your death was £250,000. The cost of initial advice would £750. If you required us to continue overseeing your affairs and providing bereavement support, the cost each year would be £250 Please note - You can cease further charges at any time, subject to confirming this in writing to us. Page 33 of 34 General Disclosure Document 23/3/2022
Page 1 and 2: General Disclosure Document About u
Page 3 and 4: Purpose of this document Financial
Page 5 and 6: Where are we based? Our offices are
Page 7 and 8: To reach us by rail ‣ Arriva Trai
Page 9 and 10: Our approach to advice We believe i
Page 11 and 12: What financial matters do we advise
Page 13 and 14: • The costs and charges you will
Page 15 and 16: Where we provide services to you as
Page 17 and 18: Those sources with whom we will sha
Page 19 and 20: How we are paid Before we agree to
Page 21 and 22: Our customer proposition for ‘Inv
Page 23 and 24: Our customer proposition for ‘Sin
Page 25 and 26: Our customer proposition for ‘Pen
Page 27 and 28: Our customer proposition for ‘Pen
Page 29 and 30: As an example - Let us say you have
Page 31: How much does it cost? Value of est

2022-03-22 GDD

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