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Your Personal Information

Under the Financial Services & Markets Act 2000 we, as Independent Financial Advisers, are required to have a proper regard for our client’s best interests in any advice given.

We must therefore do our utmost to ensure that we are aware of your personal and financial circumstances so that our advice is the most suitable for your needs. The Fact Find comprises a series of questions which have been specifically designed to help us provide advice that meets your needs. Depending on your circumstances not all the questions may be required, or alternatively additional questions may be required.

If for any reason you decline to answer any or all of the questions, or fail to provide true and accurate information to the best of your knowledge, the advice given subsequently may not be the best advice, as it can only be based on the information provided.

This information will be treated confidentially and will only be used for advising you on your financial affairs and for no other purpose. Where you accept our recommendations, the information will form part of our confidential customer database and we are a registered user of such information under the Data Protection Act.


Email Address:

1. The here and now

a) Me

Age, family situation, financial dependence, residence and domicile.

b) Budget

Monthly income

Monthly outgoings


c) Assets

Record what cash you keep on hand for emergencies. We suggest enough for three months essential household outgoings. Then list your property, possessions, existing savings, investments, pension and life insurance, and what returns they pay, if any.



Interest rate & monthly return

d) Liabilities

List the value of what you currently owe to others: mortgage, personal loans, credit card balances and any future financial responsibilities like commitments to children or other dependants that are not covered in your regular budget.



Interest rate and monthly cost

e) Planned spending

Do you have any planned major expenditure in the near future (conservatory, upgrade of car, sabbatical or extended holiday etc).

f) Earning capacity

Record your current occupation status and what you think your occupational salary and pension prospects are likely to be in the years ahead.

g) Tax status

What rate of income tax do you pay? What allowances are you using?

h) Health

Note any known issues that may have some impact on your income or expenditure.

i) Inheritance and wills

Record the terms of any wills or trusts that you expect to benefit from, and the terms of your own will and what you would like to leave).

2. Objectives

a) We can provide complete holistic advice on all areas of financial planning, or we can limit our advice to the areas that you choose. Please confirm the extent of the advice that you would like to receive by ticking one of the following boxes:

Full advice covering all areas
Advice limited to areas selected from the list below

b) Please note that we may need to ask you for additional information in relation to your financial circumstances in order to assist you with the following areas:

Advice in case of death

Advice in case of critical illness

Review existing retirement income planning

Advice on new retirement income planning

Review existing savings and investments

Advice on new savings and investments

Advice on Inheritance Tax Planning

Other (see below)

c) Please add any other comments or requirements here.

d) Have there been any material changes to your financial circumstances?

3. Looking ahead

a) Goals and aspirations


Sum £

By When

Name your goals – such as study, children, home move, career changes, retirement, travel etc. If you have several, which are the priorities?

What dates/timings are important for you to have sums of money available?

Do you need to achieve a minimum lump sum or income as an absolute must? If so, how much is that and how often/when?

If your goal is to produce income, how much do you need after tax and how frequently?

b) Changes to circumstances

Things on the horizon that have money implications – relatives going into care, children needing further support, changes at work etc.

Is your tax status likely to change in the near future (for example if you plan to move abroad or stop work)?

What do you think will happen to interest rates?

Would this affect your needs?

4. Know yourself

a) Reflection on past experience

i) When it comes to investing, how would you describe yourself?

No understanding / knowledge
Very little understanding knowledge
About as much understanding knowledge as the next person
A Fair degree of understanding / knowledge
A high level of understanding / knowledge

ii) What types of products have you had – shares, unit trusts, endowment policies, pensions etc.

b) Risk attitude and capacity for loss

Risk appetite is not just about how comfortable you are with risk , but also about how much you can afford to lose, and how much recovery time you have if values fall.

This means that risk appetite is usually different for different goals. If a goal requires a certain sum by a critical date you may have little appetite for risk, but for a less critical goal you may be willing to accept the ups and downs of the market for higher potential gains.

c) Are you more of a saver or a spender?

If you know that you find it difficult to stick to savings commitments you might want to choose products that create regular savings habits, or that make your savings hard to access until your goal date.

d) Ethical concerns

Do you have investment concerns on a moral or religious basis that will affect your choices?

5. Your saving and investing potential

a) How much money do you have available?

Do you have lumps sums to invest – how much?

Are you looking for regular savings and investing plans – how much can you regularly pay in?

Do you foresee your spending patterns changing in the next few years?

Is there a likelihood of further money available in the future?

b) Affordability

THINK – is your budget realistic or are you over-stretching?

Is there likely to be pressure on your budget in the future?

Could you increase savings or investment if things ease off financially as children leave home, a mortgage is repaid, or you receive an inheritance?

6. Risk Assessment

a) Capacity for Loss

Over the next 2 years, what would your reaction be to a loss on this investment and how would it impact your overall financial situation?

While I wouldn't be pleased, I do not rely on this money for my current household expenses, and it would not have a significant effect on my overall finances

I would be very concerned because my household expenses and overall finances could be affected by a loss of value in this investment.

b) Time Horizon

i) When do you expect to start withdrawing money from your investment?

Less than 2 years
2 to 5 years
6 to 10 years
11 years or more

ii) Once you begin withdrawing money from your investment, how long do you expect to continue withdrawing funds?

I plan to make a one off withdrawal
2 to 5 years
6 to 10 years
11 years or more

7. Attitude to Risk

a) Compared to others, how do you rate your willingness to take financial risks?

Extremely low risk taker
Very low risk taker
Low risk taker
Average risk taker
High risk taker
Very high risk taker
Extremely high risk taker

b) How easily do you adapt when things go wrong financially?

Very uneasily
Somewhat uneasily
Somewhat easily
Very easily

c) When you think of the word “risk” in a financial context, which of the following words come to mind first?


 d)Have you ever invested a large sum in a risky investment mainly for the “thrill” of seeing whether it went up or down in value?

Yes, very rarely
Yes, somewhat rarely
Yes, somewhat frequently
Yes, very frequently

 e)When faced with a major financial decision, are you more concerned about the possible losses or the possible gains?

Always the possible losses
Usually the possible losses
Usually the possible gains
Always the possible gains

f) What degree of risk are you currently prepared to take with your financial decisions?

Very small
Very Large

g) Have you ever borrowed money to make an investment (other than for your home)?


h) Suppose that 5 years ago you bought shares in a highly regarded company. That same year the company experienced a severe decline in sales due to poor management. The price of the shares dropped drastically and you sold at a substantial loss.

The company has been restructured under new management and most experts now expect it to produce better than average returns. Given your bad past experience with this company, would you buy shares now?

Definitely not
Probably not
Not sure

i) Investments can go up or down in value and experts often say you should be prepared to weather a downturn. By how much could the total value of all your investments go down before you would begin to feel uncomfortable?

Any fall would make me feel uncomfortable
more than 50%

j) Most investment portfolios have a mix of investments – some of the investments may have high expected returns but with high risk, some may have medium expected returns and medium risk, and some may be low-risk/low-return. (For example, shares and property would be high-risk/high-return whereas cash and bank deposits would be low-risk/low-return.)

Which mix of investments do you find most appealing? Would you prefer all low-risk/low-return, all high-risk/high-return, or somewhere in between?

High Risk / Return

Medium Risk / Return

Low Risk / Return

Portfolio 1    0%    0%    100%
Portfolio 2    0%    30%    70%
Portfolio 3    10%    40%    50%
Portfolio 4    30%    40%    30%
Portfolio 5    50%    40%    10%
Portfolio 6    70%    30%    0%
Portfolio 7    100%    0%    0%

k)  With some types of investment, such as cash and bank deposits, the value of the investment is fixed. However inflation will cause the purchasing power of this value to decrease.

With other types of investment, such as shares and property, the value is not fixed. It will vary. In the short term it may even fall below the purchase price. However, over the long term, the value of the shares and property should certainly increase by more than the rate of inflation.

With this in mind, which is more important to you – that the value of your investments does not fall or that it retains its purchasing power?

Much more important that the value does not fall
Somewhat more important that the value does not fall
Somewhat more important that the value retains its purchasing power
Much more important that the value retains its purchasing power

l) Think of the average rate of return you would expect to earn on an investment portfolio over the next ten years. How does this compare with what you think you would earn if you invested the money in bank deposits?

About the same rate as from bank deposits
About one and a half times the rate from bank deposits
About twice the rate from bank deposits
About two and a half times the rate from bank deposits
About three times the rate from bank deposits
More than three times the rate from bank deposits

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