Proposition

At Charles Reynolds & Associates (CRA), we will always endeavour to provide our clients with the best possible level of service. Our objective is simple, to ensure your financial planning sees the best possible returns whilst ensuring that you are kept informed of the process at every stage. Our team consists of specialists in a variety of fields who we are confident can provide you with the best results and service.

The information on this page is not a substitute for personal independent financial advice, and should not be relied upon or construed as advice. Your investment approach will be dependent on your personal circumstances and we recommend you seek independent financial advice before embarking on a course of action.

To ensure that our service levels match our clients’ needs at Charles Reynolds & Associates we provide tailored advice to each client within the parameters of our Professional Financial Planning Service proposition.

No matter which proposition you utilise, you can be confident that you will receive consistent and well informed advice based on out strong investment philosophy.

Our Investment Philosophy:

  • Invest for the longer term – we believe you should be an investor rather than a speculator
  • Diversify to reduce risk – use different asset classes which are right for your circumstances and goals
  • Use the right type of investments for you – whether that be Active Management, Passive Management or a Discretionary Fund Manager
  • Use institutional asset class funds (where possible) with low costs which deliver better returns than similar funds with higher charges
  • Rebalance on a regular basis to retain a disciplined approach and a consistent risk profile

    • What we will always aim to do…

  • Keep you fully informed about what is happening with your affairs, and complete every task on or ahead of time – so that you never have to chase us
  • Operate on the principle that a problem is not solved, or a piece of work unfinished, until you are 100% delighted
  • Reply to every telephone message, email and letter as soon as possible
  • Maintain the high standards of integrity, honesty, professionalism and confidentiality that you rightly expect from us
  • Refer you to other specialists when we believe you could benefit from their services, and do what we say we are going to do, when we say we are going to do it

    • Professional Financial Planning Service

    Initial Assessment Service

  • Evaluate And Adopt Existing Arrangements
  • Collect Relevant Facts To Understand Your Current Position
  • Establish Your Financial Objectives
  • Establish Your Protection Requirements
  • Establish Your Tolerance To Risk
  • Establish Your Required Liquidity

    • Producing Your Financial Plan

  • Interpret Your Financial Objectives
  • Identify Any Shortfalls And Make Recommendations In Regard To Your Protection Requirements
  • Establish A Suitable Asset Allocation To Match Your Attitude Towards Investment Risk
  • Identify The Most Tax Efficient Wrappers
  • Construct A Suitable Investment Portfolio
  • Present Your Written Financial Report

    • Implementing Your Financial Plan

  • Establish New Arrangements
  • Process Documentation

    • Ongoing Service

  • A Minimum Of One Annual Face To Face Meeting (If Appropriate)
  • 12 Point Financial Health Check For Protection & Investment
  • Re-Balancing of Asset Allocation To Benchmark (At Agreed Intervals)
  • Monitoring And Evaluation Of Original Investment Funds
  • Biannual Written Portfolio Valuations
  • Online Access To “Wrap Platform” Where Appropriate
  • Review Of Other Investment Opportunities Upon Request

    • Remove the Hassle Service

  • Review Your Documents To Minimise Paperwork Wherever Possible.

    • Priority Response & Availability

  • Additional Face To Face Meetings Available On Request
  • Unlimited Access To Your Adviser During Normal Business Hours Via Telephone Or Email
  • We Aim To Return All Phone Calls And Emails Within 1 Working Day

    • The value of your investment can fall as well as rise and you may not get back the original amount invested.