Behind the scenes with our financial advisers

Our financial advisers and technical research team work together so we can recommend investments to suit you.

We know your money is important to you - and we know no two people are the same when it comes to investing and planning for the future. That’s why our financial advisers take the time to understand you, what you’re looking to achieve from your money and how you want to invest.

Our technical research team are also an important part of our advice service – they analyse thousands of funds to create a panel of investment options that our advisers use to give tailored recommendations to suit you. 

Our recommendations are likely to include stock market-linked investments. These aren't like building society savings accounts, as your capital is at risk and you may get back less than you invest. The value of your investments and any income from them may fall as well as rise.

Understanding your investment needs

Mark Elliott

You can have the best financial planning solution in the world, but if it isn’t relevant for that customer it just falls apart. Our advisers understand what our customers’ needs are, so we look at products we know would be relevant for them. We’re interested in customers’ long-term future, so we support funds and products provided by well-capitalised and well-structured businesses. We also want to make sure we have a suitable breadth of options.

When we identify a fund, we’ll ask the fund provider how they operate as well as about the fund management strategy. We undertake a detailed review and look at how we would expect the fund to perform in certain market conditions as well as historical performance. It’s the customers’ money being invested so we’ll only add funds that meet our strict criteria.

Mark Elliott - Head of Financial Advice Technical Research

Recommendations tailored to your circumstances

Our advisers work very closely with our technical investment research team to build a personalised investment plan that’s tailored to your circumstances.

Kevin Quick, a financial adviser for more than 12 years, adds: “The technical investment research team is vital. They help me analyse what the customer has, and what is appropriate for their needs. I base my advice around what the customer wants and on the research we carry out into their plans.

“It’s not about just having a short-term answer, it’s about lifetime planning. And we need to make sure we get it right. Our approach to researching funds means we can provide a solution for our customers.”

Your next steps

You can find out more on our financial advice website. Here you will be able to find your nearest financial adviser, book a financial advice review or give us a call and talk to a member of our Review and Financial Advice Team.

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