Savings and Investments
Depending on your instructions, we’ll then give one-off advice or support you with a regular programme of reviews to ensure our initial advice remains up-to-date.
The value of your investment can go down as well as up and you may not get back the full amount invested.
Wealth Management with bespoke portfolios
1. Fact Finding & Goal Planning
- Analyse Assets and Liabilities
- Establish Target Income / Capital and date(s) required Sum
- Establish any Specific Requirements – Ethical / Social
- Scenario Planning – Risk/Investment Inputs
2. Attitude to Risk & Asset Allocation
- Complete our bespoke Attitude to Risk Questionnaire
- Discussion on the volatility of different investment assets
- Design a portfolio using a combination of assets to generate expected/desired return within your stated attitude to investment risk
3. Tax Wrapper/Product & Fund Research & Monitoring
- Pension / ISA / OEIC / UT / Bond / Structured Product
- Investment Fund Selection
- Initial External Research Team – ‘fund filtering’
- Extensive Internal Fund research using risk weighted measures of return
4. Review Process
- We facilitate three different levels of ongoing service
- We monitor the investment recommendations
- Complete review of all our recommended funds on a regular basis
- We actively make ad hoc changes (with clients acknowledgement)
- Regular face-to-face reviews
Wills & Estate Planning
Our combined expertise means we can help with everything from valuing your estate to helping you understand the effects of divorce, remarriage and bankruptcy on your finances.
The Financial Conduct Authority does not regulate taxation & trust advice, and will writing.
Equity Release Advice
Mike Oliver is a certified member of the Equity Release Council and can help you discover how to access and extract value from your property, including home reversion plans and lifetime mortgages.
A lifetime mortgage is secured against your home. To understand the features and risks, ask for a personalised illustration
Lifetime mortgages can quickly erode the remaining equity and as a result, there may be no value left to pass on.
Equity Release schemes may work out more expensive than alternatives such as downsizing to a smaller property.
Equity Release can affect eligibility for state benefits and grants, so always check this with an IFA who is qualified to give Equity Release Advice.
Equity Release can limit a customer’s options for moving house in later years.
Mike Oliver Associates do not arrange ‘Home reversion Schemes’.
Later Life Advice and Asset Protection
We’re fully qualified to deal with the complex decisions you and your family may face when looking at later life issues, such as retirement planning, care funding, tax matters and move.
Get in touch
- Mike Oliver Associates is authorised and regulated by the Financial Conduct Authority
- The Financial Conduct Authority does not regulate taxation advice and trust advice, will writing or some aspects of buy to let mortgages
- We are entered on the Financial Services Register No 646955 at https://register.fca.org.uk/
- The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
- As the FCA want to raise consumers’ awareness of the information that is available to them we suggest that you provide a link from your website to the FCA’s consumer website “The Money Advice Service”:
- If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS'). Please see the following link for further details: http://financial-ombudsman.org.uk/
Terms & Conditions
The guidance and/or advice contained within the Mike Oliver Associates website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
The Financial Ombudsman Service is able to assist you if you have a complaint or dispute with us which we are unable to resolve to your satisfaction. Please see the following link for further details: http://financial-ombudsman.org.uk/
The Financial Conduct Authority does not regulate taxation & trust advice, will writing, some aspects of commercial mortgages, buy to let mortgages, finance and secured loans. We are entered on the Financial Services Register No 646955 at www.fca.org.uk/register/ and further information can be found on the FCA’s consumer website ‘The Money Advice Service’
We are members of the National Association of Commercial Finance Brokers (NACFB)
The Financial Conduct Authority FCA 11 Principles of Business fashion the code of conduct for our industry. If we advise you on your assets, we assume a joint responsibility with you to safeguard them in any eventuality. Under Principle 10, as Financial Advisers, we are morally and legally obliged to protect the assets of our clients.
As Financial Advisers, we maintain the highest standards of ethics. To that end, we have devoted our time and efforts to producing a charging structure that is fair across all our business areas. We are pleased to support FCA Principle 6, ‘Treating Customers Fairly’. Your home or property may be repossessed if you do not keep up repayments on your mortgage. For mortgages we charge a fee of at least £600. We will also be paid a procuration fee from the mortgage provider if one is available.