The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
CONFIDENTIAL
Financial Planning Fact Find
Prepared for :
Meeting Date :
Consultant :
THE WEALTH
MANAGEMENT GROUP
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
The Fact Find includes personal and financial information which will be treated confidentially. Please inform us if any of the information changes
Initial Purpose/Objectives of today’s Meeting_____________________________________ __________________________________________________________________________________________________________________________________________________
Full Advice In order that we may advise you regarding your financial planning requirements, it is essential that we obtain from you current and relevant information. We therefore need to complete the following details as comprehensively as you are able.
Limited Advice/Non Disclosure If you do not wish to discuss or receive advice in certain areas of financial planning highlighted, we need to inform you that by not addressing any potential needs in these areas could seriously affect
your other financial planning objectives. If you choose to omit various sections you should be aware that our advice will be bases only on the information provided.
Personal Objectives If known, please indicate the relative importance of the following needs/objectives on a scale of 1 to 5. Insert 1 to indicate ‘very important’ and 5 to indicate that you attach ‘little importance to that item.
AFTER COMPLETING THE FACT FIND – your adviser will indicate any areas that he/she believes should be reviewed and you should come back to this section to complete / re-consider your priorities. If you wish to decline / limit advice, the adviser will tick ‘declined advice’ accordingly and then will not review those areas.
Rank in order of Priority
Client Priority Adviser Priority
Declined Client Partner Client Partner
1. The financial security of your family
2. Financial protection should you suffer a critical illness
3. Financial protection should you suffer a long term illness
4. Maintaining your standard of living in retirement
5. Mortgage protection
6. Long term savings/Funding for children’s education
7. Investment planning
8. Mitigation tour estates tax liability to inheritance tax
9. Other specific objectives (details in notes
section)
Notes regarding your priority needs
Are your circumstances likely to change in the foreseeable future? Yes/No
If ‘Yes’ please explain (e.g. employment, moving abroad, inherit wealth, etc)
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Personal and Family Details
First Client Second Client
Surname (Mr/Mrs/Miss/Ms) Surname (Mr/Mrs/Miss/Ms)
Forename Forename
Address Address
Postcode Postcode
Telephone: (Home) Telephone: (Home)
(Business) (Business)
(Mobile) (Mobile)
E-Mail Address: E-Mail Address:
Date of Birth Age Date of Birth Age
National Insurance Number
National Insurance Number
Marital Status Marital Status
Primary Occupation Primary Occupation
Secondary Occupation Secondary Occupation
Employed Self-employed Retired Employed Self-employed Retired
Employer/Business Name Employer/Business Name
Length of Service/time self-employed/retired
Length of Service/time self-employed/retired
Country of Residence/Domicility Country of Residence/Domicility
Details of Children and Dependant Relatives
Name Relationship Date of Birth Term of Dependency
Residing with Client(s)
Health Self Spouse/Partner
Are you in good health Yes/No If ‘No’ please give details
Are you in good health Yes/No If ‘No’ please give details
Have you smoked in the past 12 months Have you smoked in the past 12 months
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Yes/No Yes/No
Notes
Income and Regular Commitments
Income Self Joint Partner
Employment Basic Salary Gross Self Employed Net Relevant Earnings (P.A)
£ £ £
Regular Overtime/Bonus/Commission
£ £ £
Investment Income (Interest/Dividends/Rents)
£ £ £
Pensions (State/Private)
£ £ £
Other Income (e.g. annuities) £ £ £
TOTAL GROSS/NET P.A £ £ £
MONTHLY INCOME (NET) £ £ £
Is your income likely to change in the foreseeable future? Yes/No (Detail any changes below)
Current Commitments
Mortgage/Rent £ pm
Other Loans/HP (1) £ pm
Other Loans/HP (2) £ pm
Utility Bills £
pm
Household Expenses £ pm
All Insurances/Pensions £ pm
Travel/Motor Expenses £ pm
Credit/Charge Card (1) £ pm
Credit/Charge Card (2) £
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
pm
Regular Expenses £
pm
Other Expenses £ pm
MONTHLY OUTGOINGS £ pm
APPROX. NET DISPOSABLE INCOME
£ pm
Are your outgoings likely to change in the foreseeable future? Yes/No (Detail any changes below)
If Self Employed, Accountant Details:
Name:
Address:
Assets
CLIENT/PARTNER DID NOT WISH TO DISCLOSE ASSETS/LIABILITIES – Tick if Applicable
Self Partner Joint
Main Residence
Other Property/Land
Personal Effects/Contents
Business Interests
Owned Cars
Other Assets (identify below)
Total Assets
Other Assets Description:
CURRENT TAX RATE % %
Is your tax position likely to change in the foreseeable future? Yes/No (Detail any changes below)
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Liabilities
Self Partner Joint
Mortgages
Loans
Credit Cards
Overdraft
Other (Please Specify)
Total Liabilities
Other Liabilities Description:
Investment Details (Deposits, PEPs, ISAs, Unit Trusts, Insurance Bonds, National Savings
and Shares)
First Client
Company Type of Investment
Start Date
No. of units/shares
Purchase Price
Original Value
Received Income
p.a
Current Value
Total
Second Client
Company Type of Investment
Start Date
No. of units/shares
Purchase Price
Original Value
Received Income
p.a
Current Value
Total
Joint
Company Type of Investment
Start Date
No. of units/shares
Purchase Price
Original
Value
Received Income
p.a
Current Value
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Total
Total
Emergency Funds
You have readily accessible (emergency) funds of £
Ideally we would recommend that you have readily accessible funds of 3 times your regular outgoings
which equates to £
If no or small emergency funds what are your contingency plans? (credit cards, overdraft etc)
Individual Savings Account Allowances
Have you utilized your equity ISA allowance this tax year?
Client 1 Yes/No
Client 2 Yes/No
If not used ISA allowance for this tax year, are there any specific reasons?
Have you utilized your Cash ISA allowance this tax year (6 April – 5April) ?
Client 1 Yes/No
Client 2 Yes/No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
If not used ISA allowance for this tax year, are there any specific reasons?
ISA Limit - £11520 (2013-2014)
ISA cash component limit - £5720 (2013-2014)
Estate Planning
Self Partner
Have you made a Will? Yes/No Yes/No
Is it up to Date Yes/No Yes/No
Who are the main beneficiaries?
Have you made or received and gifts of cash/investments during the last 7 years (please give details)
Yes/No Yes/No
Solicitors Name and Address
Lasting Power of Attorney (LPA)
An LPA is a legal document that you (the Donor) make using a special form. It allows you to choose someone now (the Attorney) that you trust to make decisions on your behalf about things such as your ‘property and financial affairs’ or ‘health & welfare’ at a time in the future when you no longer wish to make those decisions:
Have you established a LPA? Yes/No Yes/No
If Yes please provide a copy of the LPA: Copy Provided?
Yes/No Yes/No
Names of Attorney(s)
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Inheritance Tax Position
Do you have a potential (IHT) inheritance tax
liability?
Yes/No Yes/No
Would you wish to discuss further? Yes/No Yes/No
If ‘no’ is there any particular reason?
Calculation of potential tax: (if required)
Nil rate band – from April 2009 £325,000 – (Since October 2007 a surviving spouse may claim the unused proportion (%) of the deceased spouses nil rate and based on the current rate)
NOTES
Priority to Client 1
Priority to Client 1
1 = High
5= Low
Planning Objectives – Investments
Client/Partner: Do you wish to review/receive advice on your investments at this moment in time? Yes/No
If not is there any particular reason? Yes/No
Investment Objectives First Client Second Client
Generally are you seeking: To increase your income?
To improve capital growth Income and capital appreciation
Yes/No
Yes/No Yes/No
Yes/No
Yes/No Yes/No
Do you have a specific investment goal? Yes/No Yes/No
How much income do you need? £ £
How long are you prepared to commit this for? Years Years
Will you need access to any capital invested? Yes/No Yes/No
Do you require any guarantee with regard to capital? Yes/No Yes/No
Do you have any ethical or moral concerns regarding your investments?
Yes/No Yes/No
Priority to Client 1
Priority to Client 1
1 = High
5= Low
ATTITUDE TO RISK
Free Flow to document discussion for Attitude to Risk:
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Having discussed Attitude to Risk and Completed a Risk Profiler – please indicate:
First Client Second Client
Attitude to risk within category Overall
Attitude to risk within category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
Please give reasons for wishing to review your investments at this time (e.g. concerns over performance or changes, change in attitude to risk or investment requirements, need for guarantees, lack of fund choice etc…?)
Investment First Client Second Client
How much do you want to invest?
Where will the funds be paid from?
Where did the funds originate from?
Planning Objectives – Savings
Client/Partner: Do you wish to review/receive advice on your investments at this moment in time? Yes/No If not is there any particular reason? Yes/No
Policy Details – Regular Savings Plans inc. ISA’s, Unit Trusts, Friendly Soc. Plans, Endowments
1 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
2 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
3 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
4 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
Priority to Client
Priority to Partner
1 = High 5= Low
ATTITUDE TO RISK
Free Flow to document discussion for Attitude to Risk:
Having discussed Attitude to Risk and Completed a Risk Profiler – please indicate:
First Client Second Client
Attitude to risk within category Overall
Attitude to risk within category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
Have you considered funding for children’s future education? Yes / No / Not Applicable For new savings plans:
How many years would you ideally invest for?
Would you need access to the capital during the savings period?
Is there a specific amount you would wish to achieve?
Is there a specific amount you wish to save per month?
Planning objectives – Mortgage
Client/Partner: Do you wish to review/receive advice on your Mortgage at this moment in time? Yes/No If you do wish to review your mortgage we have a separate Mortgage Factfind Questionnaire. We will
arrange for our Mortgage Consultant to contact you.
Planning objectives – Mortgage Protection
Adviser:
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Based on the information gathered, does the client/partner have any Yes/No potential needs that you have identified
Client/Partner:
Do you wish to receive advice/review your Mortgage Protection? Yes/No
Are you aware whether or not you have sufficient cover in place Yes/No to protect your mortgage?
Do you Understand the financial implications to you/your family Yes/No if you have inadequate cover?
How would you maintain repayment of your mortgage in the event Yes/No
of the earlier death/contracting a critical illness/or if unable to work due to illness? (Client’s own words):
Home and Mortgages
Outstanding mortgage balance £ Buying A New Home Complete if buying in the next 12 months.
Payment Method Repayment/Interest Only/Both If both then show amounts
£ £
Purchase Price
Do you want the guarantee of your mortgage being paid off at the end of the mortgage term? YES/NO
Current payments per month £
Current interest rate %
Type Fixed/Variable/Discounted/Other Deposit Available
What, if any, penalties are attached to the mortgage for transferring or repaying early?
Repayment term required Yrs
Notes (if you wish to review your mortgage please supply a letter of authority
Is the property held as joint tenancy or tenants in common?
Mortgage Lender
Is mortgage in joint names? Yes/No
Repayment Date / /
What is the current value of the property? £
Priority to Client
Priority to Partner
1 = High 5= Low
Plans Effected to Cover Your Outstanding Mortgage
Life
Assured
Type Company Start
Date
Policy No Sum
Assured for Death
Sum
Assured for critical illness
Mat
date
Premium
Plans Effected to Cover Your Mortgage Premiums
Life Assured
Type Company Start Date
Policy No Level of Cover
Period of Cover
Mat date
Premium
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Priority to Client
Priority to Partner
1 = High
5= Low
Do you want to fix your premium or are you willing for it to be reviewed?
Fixed / Reviewable Fixed / Reviewable
Investment element required (if yes complete risk category below)
Yes / No Yes / No
ATTITUDE TO RISK
Free Flow to document discussion for Attitude to Risk:
Having discussed Attitude to Risk and Completed a Risk Profiler – please indicate:
First Client Second Client
Attitude to risk within category Overall
Attitude to risk within category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
NOTES
Planning Objectives – Life Assurance
Advisor: Based on the information gathered does the client/ partner have any potential needs that you have identified? Yes/No Client/ Partner:
Do you wish to receive advice/ review your Life Protection? Yes/ No Are you aware of the financial implications of having insufficient life protection and how your dependants would maintain their lifestyle in the event of earlier death?
(Client’s own words): Yes/ No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Policy Details –Life Assurance Plans (including death in service)
1 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
2 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
3 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
4 Life Assured/Policy Beneficiary Policy Type Insurance Company Policy Number
Sum Assured/Benefits Premium Frequency Start Date Maturity Date
Priority to Client
Priority to Partner
1 = High 5= Low
ATTITUDE TO RISK
Free Flow to document discussion for Attitude to Risk:
Having discussed Attitude to Risk and Completed a Risk Profiler –please indicate:
First Client Second Client
Attitude to risk within
category Overall
Attitude to risk within
category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
LIFE COVER CALCULATION CLIENT 1 CLIENT 2
Do you want to fix your premium or are willing for it to be reviewed?
Fixed / Reviewable Fixed / Reviewable
Investment element required (If yes complete risk category below)
Yes / No Yes / No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
What is your current income/contribution to household expenses
£ £
How much of your monthly expenses would cease on death e.g. mortgage payments/pensions/travel expenses/ reduction in food/
socialising etc.
-£ -£
Monthly Shortfall
=£ =£
Multiply by 12 to get Annual Shortfall
=£ =£
Add on any additional new Total expenses which may arise e.g. child care/ replacement of company car/ other company benefits etc.
+£ +£
Annual Shortfall
=£ =£
Deduct any income provisions which will continue e.g. Spouses
pension/ investment income / other ......(specify)
-£ -£
Total Annual shortfall in Income
=£ =£
Over how many years would this level of income be required
yrs Yrs
Why has this term been selected?
Adviser to discuss at this stage the option of having the life protection benefits as an income or lump sum cover to sue as they wish.
Would you prefer Annual Income or a Lump sum payment?
Income / Lump Sum
Income / Lump Sum
Please give your reasons
Do you want to allow for inflation?
YES/ NO YES/ NO
Do you want to protect your premiums in the event of sickness? If no, please give reasons
YES/ NO YES/ NO
Total Existing Life Provision to be taken into account
£ £
Adviser to calculate required level of cover:
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Planning Objectives – Critical Illness
Advisor: Based on the information gathered does the client/ partner have any potential needs that you have identified? Yes/No
Client/ Partner: Do you wish to discuss/receive advice on your Critical Illness Protection? Yes/ No Are you aware of the financial implications, how would you or any dependents manage capital liabilities or life style changes that might arise.
(Client’s own words): Yes/ No
Priority to Client
Priority to Partner 1 = HIGH 5 = LOW
Client Partner
ATTITUDE TO RISK
Policy Details –Critical Illness (Existing Plans)
1 Life Assured/ Policy Beneficiary Policy Type Insurance Company
Policy Number
Sum Assured/ Benefits Premium/ Frequency
Start Date Maturity Date
2 Life Assured/ Policy Beneficiary Policy Type Insurance Company
Policy Number
Sum Assured/ Benefits Premium/ Frequency
Start Date Maturity Date
Do you want to fix your premium or are willing for it to be reviewed?
Fixed / Reviewable Fixed / Reviewable
Investment element required (If yes please
specify attitude to Risk below)
Yes / No Yes / No
Free Flow to document discussion for Attitude to Risk:
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Having discussed Attitude to Risk and Completed a Risk Profiler –please indicate:
Planning Objectives – Health (Income Protection)
Advisor: Based on the information gathered does the client/ partner have any potential needs that you have identified? Yes/No Client/ Partner: Do you wish to discuss/receive advice on your Income Protection at this
moment in time? Yes/ No Are you aware of the financial implications, if you were unable to work, you/your family maintaining your life style? (Client’s own words): Yes/ No
First Client Second Client
Attitude to risk within category Overall
Attitude to risk within category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
Outstanding capital debt (a) = Cover to offset lifestyle changes (b) =
Lump sum available (c) = Total amount of required (a+ b –c) = Term required =
Notes for critical illness cover and life cover issues:
Policy Details –Critical Illness (Existing Plans)
1 Life Assured/ Policy Beneficiary Policy Type Insurance Company
Policy Number
Deferred Period
Sum Assured/ Benefits Premium/ Frequency
Start Date Maturity Date
2 Life Assured/ Policy Beneficiary Policy Type Insurance Company
Policy Number
Deferred Period
Sum Assured/ Benefits Premium/ Frequency
Start Date Maturity Date
Priority to Client
Priority to Partner 1 = HIGH 5 = LOW
Client Partner
If employed, what entitlement to sick pay do you have?
Do you have alternative options to support your income?
What income do you feel you would require in today’s terms?
£ pa/pm £ pa/pm
To what age / Over what term would cover be required?
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
ATTITUDE TO RISK
Having discussed Attitude to Risk and Completed a Risk Profiler –please indicate:
Do you want to fix your premium or are you willing for it to be reviewed?
Fixed / Reviewable Fixed / Reviewable
Investment element required (If yes complete risk category below)
Yes / No Yes / No
Free Flow to document discussion for Attitude to Risk:
First Client Second Client
Attitude to risk within category Overall
Attitude to risk within category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
Private Medical Insurance (Existing Plans)
1 Life Assured Policy Type Insurance Company Policy Number
Benefits/ restrictions Premium / Frequency
Start Date Maturity Date
Priority to Client
Priority to Partner 1 = HIGH 5 = LOW
Do you wish to review existing PMI or arrange New Cover
Yes/ No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Planning Objectives –Occupational Pensions
Client/ Partner: I am a member of an occupational pension, I do not have any deferred or available to me now or in foreseeable future: Client Partner (Tick Box if applicable)
Client Partner Does your Company operate an Yes/No Yes/No Occupational Pension Scheme?
Are you now or will you become eligible for membership? Yes/No Yes/No If yes, when / / / / Have you joined or do you intend to join? Yes/No Yes/No
Occupational Pension Schemes
Normal Scheme Retirement Age
Pensionable service start date
Any early retirement penalties
Is the company scheme contracted
out of State Second Pension Yes/No Yes/No
Your Gross Contribution level £ / % £ / % Death in Service (usually a multiple of salary) £ / % £ / %
Widow(er)’s Pension % %
Final Salary Schemes (only to be completed if you are a member of such a scheme)
Definition of pensionable salary
Pension Basis (e.g. 60th, 80th, other) ths ths
Lump Sum in addition/by commutation £ £ Benefit escalates? % / RPI % / RPI
Estimated pension £ £
Monet Purchase Schemes (only to be completed if you are a member of such a scheme)
Current Fund Value £ £
Employers Contribution £ / % £ / % Estimated pension £ £
Additional Contributions Total contribution to CO AVC £ / % £ / %
Estimated pension @ 5% at age ___ £ £
Do you have a copy of the scheme booklet? Yes/ No Yes/ No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Please Provide Details of any Deferred Occupational Pension Funds
Policyholder Company Date joined Normal Retirement Age
Date left scheme
Fund Value Estimated pension
Planning Objectives –Personal Pensions Advisor:
Based on the information gathered does the client/partner have any potential needs that you have identified? Yes/ No Client/Partner: Do you wish to discuss/receive advice on your Retirement Planning? Yes/ No Are you aware whether you will have sufficient income in retirement to maintain your standard of living? Yes/ No
Personal Pension (including 266, FSAVC,) etc.
Policyholder Insurance Company
Type Selected Retirement
Age
Prem
Policy Number
Fund Value
Trans Value
Estimated pension (at
5%)*
£
£
£
£
£
Group Pension Plans/Company Stakeholder Policy
holder
Insurance
Company
Type Retirement
Age
Employer
Premium
Employee
Premium
Policy
Number
Fund
Value
Estimated
pension (at 5%)
Do any of these schemes have any forms of guarantee built in? Yes/ No Yes/ No (If yes give details in the notes section)
Are you contracted out of State Second Pension? Yes/ No Yes/ No
Are happy to remain contracted out even though the Yes/No/N/a Yes/No/N/a state benefits have guarantee built into them. If you wish to commence or maintain contracted out
please read the FSA fact sheet on this subject, which I can provide. If not in an occupational scheme
Does your employer offer a Company Stakeholder/Personal Pension? Yes/ No Yes/ No
Will your employer contribute if you joined the scheme? Yes/ No Yes/ No If ‘Yes’ then how much £ £
Does the employer offer any benefits on a group basis e.g. ‘Income Yes/ No Yes/ No
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Protection’, ‘Critical Illness Cover’ or Private Medical Insurance?
Self Partner
At what age would you expect to retire?
It would be helpful if you could supply the following Self Partner
The Amount of income you feel that you would realistically need/like at your estimated retirement age ‘in today’s terms’
£ pa
£ pa
Would you need/like a specific amount of cash at this date? £
ATTITUDE TO RISK
Having discussed Attitude to Risk and Completed a Risk Profiler –please indicate:
PREMIUM PROTECTION : Do you wish to protect your pension premiums in the event of an illness?
Yes / No Yes / No
Retirement Section Miscellaneous notes: Possible concerns (charges, performance, servicing, fund links financial strength of company etc…)
Options at Retirement
Are you wishing to review your retirement options? Yes / No Yes / No
IF YES: PLEASE COMPLETE THE “OPTIONS IN RETIREMENT FACT FIND”
General Financial Objectives
How much of your total disposable income would you wish to utilize towards your financial goals
Protection £ pm (Client one / jointly) Protection £ pm (Client two) Savings £ pm (Client one / jointly) Savings £ pm (Client two)
Priority to Client
Priority to Partner 1 = HIGH 5 = LOW
Free Flow to document discussion for Attitude to Risk:
First Client Second Client
Attitude to risk within
category Overall
Attitude to risk within
category Overall
Attitude to risk within category Specific
Attitude to risk within category Specific
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Retirement £ pm (Client one / jointly) Retirement £ pm (Client two)
Declaration
PLEASE READ AND CHECK THIS ENTIRE FORM BEFORE SIGNING. (For I/my please also read we/our)
I confirm that the information I have provided is to the best of my knowledge correct. I have provided this information understanding that it is used to form the basis of any advice and recommendations made to me that I am not under any obligation to take up any recommendations made.
I understand that recommendations may be made which involve a regular financial commitment or the investment of capital. Accordingly, I understand that I must be sure of my ability to meet that commitment having given consideration to all other expenditure, and the provision of any emergencies, which may require access to funds.
I confirm I have received a Business Card and a Client Agreement and understand that the Agreement must be read carefully and signed prior to any advice or recommendation. ADDITIONAL CLIENT DECLARATION (tick if applicable)
I further declare that I did not wish to disclose certain personal/financial/company information and I am aware that this may prevent the Adviser from being able to identify areas where it might have been appropriate to make recommendations, or, which could have an on any recommendations made. NB: Please be aware that where full information is not provided we reserve the right to decline to give advice; and where advice is given with limited information that our advice may have differed had full information been provided. The Wealth Management Group LLP will store the information from this form in paper and electronic format in the course of providing our services, and maintaining our records, in accordance with our
regulators requirements. The WMG Llp Limited has certain obligations under privacy laws, including the Data Protection Act, to notify individuals how it will process any personal information it collects about them.
I / We confirm that we have been provided with, and have signed, a separate Data Protection Notice; and I / we consent to the recording, storing and processing of my / our information.
Client 1 Signature Client 2 Signature
Date Date
Adviser Name Adviser Signature
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Additional Fact Find Notes:
NOTE: If any amendments, alterations or additions are made to the fact find after if has
been signed; these must also subsequently be signed by the client
Additional Fact Find Notes:
NOTE: If any amendments, alterations or additions are made to the fact find after if has
been signed; these must also subsequently be signed by the client
Notes Date / Signature
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
Additional Fact Find Notes:
NOTE: If any amendments, alterations or additions are made to the fact find after if has
Notes Date / Signature
The Wealth Management Group Llp is authorised & regulated by the Financial Conduct Authority
Registered in England - Registered Address: 702 VM-2 Victoria Mills, Salts Mill Road, Shipley, West Yorkshire BD17 7DF .
Registration Number OC327376
Members: Bavinton Financial Limited, Wendy Helen Woodward Doverdan Investments Ltd
been signed; these must also subsequently be signed by the client
Notes Date / Signature
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