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Our values are the cornerstone to helping clients achieve the lifestyle they want and desire.
It goes without saying that clients need to trust their adviser. Trust and respect are vital to any client/adviser relationship. We have tried to compile a list of values and aspirations that are central to the service we offer. It is not just about how we treat our clients, but also about the way we think and our philosophy on life.
Our philosophy on life, values and money is central to how we help our clients achieve their life goals and ambitions. Here is a summary of our values:
If you would like to find our more about our service, why not visit our Financial Planning Page. Here we have a video that summarises our service and how we could possible help you.
Consilium Asset Management offers a wide range of services to suit those at any stage of their life. Being a team of Independent Financial Advisors (IFA), we are able to research the entire market and provide the best product for every individual requirement. In delivering the below services, we embrace technology to ensure the process is as streamlined as possible. Our clients are at the heart of what we do and we place client objectives at the forefront of all decision making.
Nobody wants to pay more tax than is necessary. That’s why we will conduct a full review of your current situation and identify steps to reduce the amount of tax you pay. Furthermore, when it comes to taking income from your investments, we will ensure you withdraw funds in the most tax-efficient manner.
We will take all the stress and worry out of investing, leaving you to sit back and let your money do the work. Using our financial personality assessment, we will gain an understanding of your risk profile and then make a recommendation based on this and your objectives. Our use of technology means you can track your investments daily on your phone, tablet or desktop.
Whether you are looking ahead to retirement or have already retired, we will make sure you achieve the later years that you have always dreamed of. We will first understand your specific retirement objectives, and then work with you to reach them. We will fully review any existing pensions you have and then find the optimum solution for your situation.
Our comprehensive Mortgage Advice service provides support from start to finish. As we are independent, we can search the entire market to ensure you get the best deal. We will also do all the leg work for you in chasing lenders and completing as much of the application so you can sit back and relax. Our jargon-free advice will mean you always feel in control.
It is vitally important to plan for unexpected events so that you are in safe hands should the worst happen. We will assess your individual requirements for life assurance, income protection or critical illness cover. Using our independent status, we can then access the entire market to find you the best deal on your protection.
If you have any questions about our services, fees or any other matters, please get in touch with us. Below are a few of the common questions we are asked.
We are proud to call ourselves Independent Financial Advisors. We have been Independent since 2005 and have made a commitment to remain so. We are regulated by the Financial Conduct Authority and are free to search the whole of the market to find and provide the right product for you.
We put your goals at the heart of what we do. Every single financial plan is unique because no two people are the same. By fully understanding your needs, we are then best placed to take a holistic view of your finances and support you in achieving your dreams.
Using over 35 years of experience, our advisors will create a personalised financial plan to suit your needs. We make your objectives our own and find no greater pleasure than seeing our clients fulfil their dreams. Our aim is to build a long term relationship with you so that we are your friends and your advisors
We provide a wide range of services that could be beneficial for you, depending on your circumstances. Some of these are listed below, and all form part of our overall service to you:
Step 1 – Free initial consultation
Every client benefits from a free initial consultation. This is a chance for us to get to know you and your situation to make sure we can provide you with sufficient value. You can also ask any questions you have about our process and the fees involved. Book your free initial meeting here.
Step 2 – Fact-find meeting
Following this, we will conduct a full fact-find with you. This is an important part of the process because the more we know about you, the better we can understand what you require to achieve your goals. As part of the fact-find, we will ask you to complete a Financial Personality Assessment and will take time to learn your views on Socially Responsible Investing. At this stage, we will discuss our fees and complete the necessary paperwork.
Step 3 – Current situation analysis
Once we fully understand your situation, we will analyse your current situation and any initial recommendations. All recommendations will be fully justified using reports, data, and an explanatory meeting.
Step 4 – Implementation of recommendations
If you are happy to proceed with our recommendations, we will implement them for you promptly. Should you have any reservations about our advice, we will work closely with you until you feel comfortable making any changes.
Step 5 – Monitor financial plan
We will continuously monitor your financial plan and ensure you remain on track to meet your objectives. You will receive quarterly investment reports, and we will get in touch if there is anything important to discuss. It is important that you understand that you can contact us at any stage if you require clarification or wish to inform us of changes to your situation.
Step 6 – Annual review service
Every year, we will conduct your annual review meeting. This will include analysing your investment performance, discussing any changes in your circumstances, and making any recommendations for changes to your plan. If you are at or near retirement, you will receive an Income Sustainability Review. We will ensure your spending levels remain sustainable, considering your situation.
With our fees, we offer a fair fixed fee charging structure that reflects the value we are providing. Our charges depend on your specific situation and requirements, so once we have conducted your free initial meeting, we can provide you with an individual quote.
You can choose how you pay our fees, whether directly using bank transfer or from your investments. Our preferred providers can facilitate payments to us so that you don’t need to worry about accounting for our fees in your spending budgets.
Most meetings will take place at our office in Chipping Sodbury, near Bristol. However, we are happy to conduct meetings in your home in certain circumstances. If you have particular needs and find it difficult to travel, we will do our best to make life easy for you. We are also happy to conduct online video meetings if that suits you best.
You can get in touch using the below methods:
Customer feedback is important to us. Here are some of our recent reviews
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Consilium Asset Management are Independent Financial Advisors (IFA) based in Bristol and are authorised and regulated by the Financial Conduct Authority. More information can be found on the Financial Services Register under Number 469507. Registered Office: Vayre House, Hatters Lane, Chipping Sodbury, Bristol, BS37 6AA.