“I have worked with Ideal Financial Management for the last 5 years in my role as the firm's Compliance Consultant. I would have no hesitation in recommending my family and friends to them, for what I know will be excellent advice and secure lifetime financial planning.”

Helen Clayman, Compliance Consultant, MLX Training & Compliance

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Service Propositions

Here we explain more about our services. Please click on any service icon below and you will see a full explanation of the service displayed on the right.

Lifestyle Financial Planning Service At Ideal Financial Management Ltd we believe that Independent professional financial advice can add significant value to individuals and businesses. It is because of this belief that we provide a comprehensive ongoing service designed to create real value for our clients. As your partner in building wealth and security, we focus on ways that we can help you to live the life that you want to live. By engaging Ideal Financial Management Ltd you assure yourself of regular financial checkups and continuous monitoring of your financial plan to ensure you are on target to meet your goals & objectives. Our Service includes:-
An initial meeting with your adviser at our expense	This initial meeting is vitally important to understand what it is you require from an adviser, and agree the type of service that would best suit your needs.
Discovery Meeting with your Adviser	Our detailed ‘discovery’ meeting gives us all the chance to see what’s important to you, the events that need to be planned for and the type of life you want to live. Lifestyle Financial Planning is not just about your money - its about your life.
Affordability Check	In order to advise you correctly we need to ensure any purchase you make is affordable both now and in the future. Getting this right is a vitally important part of the process and ensures your budget is working for you in the best way.
Lifetime Cash Flow Forecasting	Creating your lifetime cash flow forecast will show you how achievable your future desired lifestyle is. The results from this will then determine the strategies we recommend. This can be one of the most empowering experiences in your financial life.
Lifestyle Discovery Meeting	In order to advise you we need to understand the things that are important to you. This process will uncover the things that you wish to achieve and understand the importance of each. This way we can tailor our advice to ensure you fulfill your hopes and aspirations
Detailed Risk Profiling	Using our in depth, scientific risk profiling system, we will be able to ascertain your risk profile and use that to identify if your current investments are suitable to your current risk tolerance. We will then use this result as a starting point for our discussions should any advice be needed going forward.
Deliver your Financial Plan	We aim to significantly improve the quality of our clients lives by building a financial plan with the highest probability of achieving your life’s goals whilst taking into account your values and concerns that we have discussed in our discovery meeting.
Ongoing Support and access	Unlimited Telephone and Email access to your adviser and admin support staff. Where possible you will be provided with online access to your investments.
Yearly Budget Newsletter	As a valued client we will ensure you receive our annual budget newsletter
Yearly Review Service	Lifestyle financial planning is a relationship based service where we continually monitor your progress towards your goals and ensure your values and concerns remain at the forefront of all your financial decisions.
Regular Financial Newsletter	We will ensure you are kept up to date with industry issues and also developments at Ideal Financial Management Ltd via our Regular Financial Newsletter
Professionals service	We will provide updates to your accountant or other professional adviser to ensure everyone on your financial team provides advice in a coordinated & professional way. Where you need the help of a professional adviser we can assist in recommending someone to you.
Financial Seminars / Investment Manager Workshops	Where we feel you would benefit from any new developments within the financial market place, we will invite you and a guest to attend one of our Financial Seminars / Investment Manager Workshops. Here you will be given an insight into the workings of large investment houses. Access to these experts is unlikely to be available to individuals
Hospitality Events	As a valued part of the Ideal team we will invite you to various hospitality events to say thank you for entrusting us with your financial affairs.
The initial cost for producing our report is £900.00. This fee can be offset by any fees we receive should you require us to implement the recommendations given in our advice. There is also an annual fee of between 0.5% & 1% of funds under management subject to a minimum fee of £900.00 per annum. Fixed fee work can be undertaken at an agreed fee if this is a more suitable option. Full details of the costs of our services will be given to you at our first meeting.

Focused Independent Financial Advice Service At Ideal Financial Management Ltd we believe that Independent professional financial advice can add significant value to individuals and businesses. It is because of this belief that we provide a comprehensive ongoing service designed to create real value for our clients. However, we also understand that the needs of some of our clients are not as complex as others. It is for this reason we have developed our “Focused Independent Financial Advice” service, which allows us to offer a whole of market approach, but focused on a particular area of concern. As our relationship grows we hope that you will begin to see us as your trusted adviser and progress to our “Lifestyle Financial Planning” service. Our service includes:-
An initial meeting with your adviser at our expense	This initial meeting is vitally important to understand what it is you require from an adviser, and agree the type of service that would best suit your needs.
Discovery Meeting with your Adviser	In order to advise you, we will need to get to know more about you. A detailed discovery process allows us to identify any issues that may have an impact on our advice. It is vital that we have all the relevant information available, in order to get the most out of our service.
Affordability Check	In order to advise you correctly we need to ensure any purchase you make is affordable both now and in the future. Getting this right is a vitally important part of the process and ensures your budget is working for you in the best way.
Detailed Risk Profiling	Using our in depth, scientific risk profiling system, we will be able to ascertain your risk profile and use that to identify if your current investments are suitable to your current risk tolerance. We will then use this result as a starting point for our discussions should any advice be needed going forward.
Detailed Research	To ensure you receive truly impartial independent advice we will use the many resources available to us to assess your needs and make recommendations that are suitable to them.
Suitability Report	Once we have conducted our detailed research we will provide you with a thorough written report outlining our recommendations.
Ongoing Support and access	Unlimited Telephone and Email access to your adviser and admin support staff. Where possible you will be provided with online access to your investments.
Yearly Budget Newsletter	As a valued client we will ensure you receive our annual budget newsletter
Review Service	A meeting with your adviser to include a Review of your Financial Strategy
Regular Financial Newsletter	As an investment client we will ensure you are kept up to date with industry issues and also developments at Ideal Financial Management Ltd via our Regular Financial Newsletter
The initial cost for producing our report is £250.00. This fee can be offset by any fees we receive should you require us to implement the recommendations given in our advice. There is also an annual fee of between 0.5% & 1% of funds under management subject to a minimum fee of £125.00 per annum. Fixed fee work can be undertaken at an agreed fee if this is a more suitable option. Full details of the costs of our services will be given to you at our first meeting. You may wish to take part in additional services offered to clients on our Lifestyle Financial Planning Service. These services will be charged separately.

Investment Advisory Service At Ideal Financial Management Ltd we believe that Independent professional financial advice can add significant value to individuals and businesses. It is because of this belief that we provide a comprehensive ongoing service designed to create real value for our clients. However, we also understand that the needs of some of our clients are not as complex as others. It is for this reason we have developed our “Investment Advisory” service, which allows us to offer a whole of market approach, but focused on your investments. As our relationship grows we hope that you will begin to see us as your trusted adviser and progress to our “Focused Independent Financial Advice” service and eventually on to our “Lifestyle Financial Planning” service. Our service includes:-
An initial meeting with your adviser at our expense	This initial meeting is vitally important to understand what it is you require from an adviser, and agree the type of service that would best suit your needs.
Discovery Meeting with your Adviser	In order to advise you, we will need to get to know more about you. A detailed discovery process allows us to identify any issues that may have an impact on our advice. It is vital that we have all the relevant information available, in order to get the most out of our service.
Affordability Check	In order to advise you correctly we need to ensure any purchase you make is affordable both now and in the future. Getting this right is a vitally important part of the process and ensures your budget is working for you in the best way.
Detailed Risk Profiling	Using our in depth, scientific risk profiling system, we will be able to ascertain your risk profile and use that to identify if your current investments are suitable to your current risk tolerance. We will then use this result as a starting point for our discussions should any advice be needed going forward.
Detailed Research	To ensure you receive truly impartial independent advice we will use the many resources available to us to assess your needs and make recommendations that are suitable to them.
Suitability Report	Once we have conducted our research we will provide you with a written report outlining our recommendations.
Remote access to your Investments	Where possible you will be provided with online access to your investments.
Ongoing Support and access	Unlimited Telephone and Email access to our admin support staff.
Yearly Investment Statement	On each anniversary you will be provided with a detailed statement showing the current position of your investments.
Regular Financial Newsletter	As an investment client we will ensure you are kept up to date with industry issues and also developments at Ideal Financial Management Ltd via our Regular Financial Newsletter
An initial fee of between 1% & 4% of your investment will be charged together with an ongoing fee of 0.5% per annum. Full details of the costs of our services will be given to you at our first meeting. You may wish to take part in additional services offered to clients on our Focused Independent Financial Advice service and our Lifestyle Financial Planning Service. These services will be charged separately.

Independent Mortgage & Protection Review Service At Ideal Financial Management Ltd we believe that Independent professional financial advice can add significant value to individuals and businesses. It is because of this belief that we provide a comprehensive service designed to create real value for our clients. As your partner in making what is likely to be your biggest financial purchase, we focus on ways that we can help you to live the life that you want to live. By engaging Ideal Financial Management Ltd you assure yourself of an ongoing service that stays with you during the lifetime of your mortgage. As our relationship grows we hope that you will begin to see us as your trusted adviser and progress to our “Focused Independent Financial Advice “ service and eventually on to our “Lifestyle Financial Planning” service. Our Service includes:-
An initial meeting with your adviser at our expense	This initial meeting is vitally important to understand what it is you require from an adviser, and agree the type of service that would best suit your needs.
Discovery Meeting with your Adviser	In order to advise you, we will need to get to know more about you. A detailed discovery process allows us to identify any issues that may have an impact on our advice. It is vital that we have all the relevant information available, in order to get the most out of our service.
Affordability Check	In order to advise you correctly we need to ensure any purchase you make is affordable both now and in the future. Getting this right is a vitally important part of the process and ensures your budget is working for you in the best way.
Detailed Research	To ensure you receive truly impartial independent advice we will use sophisticated sourcing systems to research the entire mortgage landscape in order to identify the most suitable product. This will include deals only available direct from the lender and not just those available via brokers like ourselves.
Mortgage Suitability Report	Once we have conducted our detailed research we will provide you with a written report outlining our recommendations.
Protection Report	Where appropriate our report will also make comment on any other issues relevant to your mortgage such as life & income protection as well as the protection of your property. We may also recommend you see one of our specialist investment advisers in order to conduct a full financial review.
Regular Financial Newsletter	As a valued client we will ensure you receive our Regular Financial Newsletter
Review Service	Our service doesn’t end with the completion of your mortgage. Our administration team will ensure that when your mortgage deal ends, we will be in contact to start the process over again. This will ensure you take advantage of the best rates available during the lifetime of your mortgage. It also means we can take account of any changes in your circumstances or budget and make the necessary adjustments.
THE COST FOR THE ABOVE SERVICE IS £195.00
Implementation	Once we have agreed on a solution, we will assist you with the implementation of your mortgage. We will complete all the necessary paperwork and our experienced administration team will track the progress of your application through to completion. Should the most suitable mortgage be direct with a lender we will put you in touch with our contacts at that lender who will implement the mortgage.
Implementation Fee	The cost of implementing your mortgage and any associated protection plans will be a minimum of £150.00 and is payable within 14 days of completion of your mortgage. This fee is normally offset by any fee / commission received from a lender or provider.
Full details of the costs of our services will be given to you at our first meeting. Fixed fee work can be undertaken at an agreed fee if this is a more suitable option.