Our Services
Our Services
Holistic Financial Planning
Our goal when sitting down with new or existing clients is to really understand your full position, not only where you are now but where you want to be in the future. This allows us to form plans tailored to our clients.
Pension Planning
We help clients set up new pensions, find and consolidate old schemes as well as managing the underlying investment set up. At retirement we help select the best option for you and manage any required drawdown.
Investment Planning
We build investment strategies depending upon our clients' objectives, tax position and attitude to risk. The types of investments we recommend will range from Stocks & Shares ISAs right through to Onshore & Offshore Bonds as well as venture capital and enterprise investment.
Insurance
We advise on Life Cover, Critical Illness Cover, Mortgage Protection and more. Our job is to give you a whole of market view on what is available and structure your cover so you have the most efficient setup in the most cost efficient manner.
Cashflow Modelling
We use state of the art cashflow modelling software to map out your financial future and build the most effective investment strategies. We input your assets, liabilities, incomes and expenditures to evaluate what the future may hold. You may want to assess the impact of buying your dream home or taking retirement early.
Tax advantaged Investments
Depending on your personal position and attitude to risk we advise on Tax Advantaged Investments. These vehicles can play a key role in client plans, but it is important we conduct market research and evaluate the tax and risk implications carefully.
The value of investments may go down as well as up and you may get back less than you invest. An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA. A pension is a long-term investment, and your eventual income may go down as well as up, and will depend upon the size of the fund at retirement as well as future interest rates. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation. Cover will cease on insurance products if premium payments are not maintained. Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with a plan. The Financial Conduct Authority does not regulate Cashflow Planning. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
We believe independent advice is best
independent
At NewRoad we are fully independent, this means that we do not work on behalf of any investment company or institution. This means that all of our advice is whole of market and we have no incentive to select one provider over another. This gives us confidence that our clients know we are working with only their best interests at heart.
Restricted
A restricted firm will usually only recommend products and services from a select number of providers. Quite often, the adviser will only be able to recommend products from the company they work for. Although a restricted set up may work for many advisers and clients alike, we believe true independence is the only way to ensure client interests are put before business interests.
Frequently Asked Questions
We do not charge for our first meeting and on the most part do not charge for the second meeting either. This is because we want to understand your situation before formally advising you. We take this time to understand your full position and then can be specific in the work involved and subsequent fees. Until we provide you with the charges in writing and they are agreed there is no commitment from you to pay anything.
In simple terms, we do. After a brief introductory call if we believe what you are looking for is in line with what we do, we offer the free full meeting.
Just like anything else in life, we think you should be able to see what you are paying for before you have to commit to the advice and paying a fee. We have very long relationships with our clients and believe a big part of that success is putting time in to making sure we are the right firm for you and you the right client for us.
The short answer is no, each adviser will have a minimum investment level or annual fee to provide ongoing advice. However, there is no governed minimum amount and we encourage anyone to have a chat with us.
We believe everyone should have access to good financial advice and sadly, through misconceptions and opaqueness many feel it probably isn’t for them.
Usually, our meetings are held over Zoom. However, where face to face is preferred, we have meeting rooms in London near Bank station and Moorgate. We do also have the option to travel to your home if that is preferred.
Simply, our aim is always to do what works best for the client.
We are fully independent so have access to the widest range of providers. We decide upon provider on a client by client basis and are looking at things such as cost, functionality and investment availability.
We also only recommend providers with strong financial stability and therefore many of which will be household names
Yes, it’s very common for people to move around in their careers and one thing that often gets forgotten is the pension that was set up on your behalf and paid into each month.
We will help you track down those old schemes, analyse them for you and advise you as to the best way to set them up moving forward.
Not to worry, if you book an intro call an adviser will call you at the time requested and will leave a voicemail if they miss you. If your email is available, they may follow up once with an email to ask if you’d like to rearrange. That’ll be it, we never make a barrage of calls and harass clients, it is simply not in our values.
Additionally, any enquiry will not result in you being placed into a marketing list.
Our first introductory call will be about 15 minutes. After that the initial factfind meeting will usually last around 1 hour, again that will be at our cost.