Client Agreement
 
 
 
 
 
 
 
 
Content
 
Salomons Estate, Broomhill Road
Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk
Tel.    01892 576 577
EFax. 01892 579 978
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority
 
 
Ø This document sets out the basis on which we will conduct business with you and on your behalf. It is an important document and we would ask you to read it carefully and if you are unsure of any of its terms please ask.
Ø The terms of this Agreement come into force immediately on acceptance (implied or actual) of its terms by you and will remain in force until cancelled by us or you, or replaced by a later version
Ø Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Ltd, which is authorised & regulated by the Financial Conduct Authority (FCA) under number 563682.
Ø Armstrong Wealth Ltd (‘the Firm’) has an FCA number of 624004. You can check this on the Financial Services Register by visiting www.fca.org.uk/register/or by contacting the FCA at 12 Endeavour Square, London E20 1JN or telephone 0800 111 6768 (freephone), or by contacting Sanlam Partnerships Limited at Unit 1, Andoversford Business Park, Cheltenham, Gloucestershire, GL54 4LB.
Ø Section 1 The range of our advice and financial planning objectives
Ø Section 2 Customer classification
Ø Section 3 The cost of our service
Ø Section 4 Client Money
Ø Section 5 Accounting to you
Ø Section 6 Financial Services Compensation Scheme (FSCS) Protection
Ø Section 7 Complaints
Ø Section 8 Cancellation rights
Ø Section 9 Material interest / Conflicts of interest
Ø Section 10 Risk Warnings
Ø Section 11 Termination of Authority
Ø Section 12 Data Protection
Ø Section 13 Anti-Money Laundering
Ø Section 14 Governing Jurisdictions
Ø Section 15 Client Consent
Ø Section 16 Client agreement
Ø Section 17 Example charges table
 





 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
The Range of our Advice and Financial Planning Objectives
Ø Your adviser is independent and acts on your behalf as your agent. Your Adviser is therefore able to provide unbiased unrestricted advice on retail investment products based on a comprehensive and fair analysis of the market. We will consider a sufficiently wide range of financial instruments available on the market to ensure that your objectives can be met in a suitable way.
 
 
Ø We are permitted to give advice on retail investments, general insurance and arrange transactions in these products. For retail investment products, this will include not just packaged products, but also structured products, all investment trusts and any other investments that offers exposure to underlying assets, but in a packaged form which modifies that exposure compared with direct holding in the financial asset.
 
Ø In order to provide you with personal financial advice and recommendations suitable for your particular circumstances and in order to act in your best interests, we will undertake a ‘fact find’ to gather the appropriate information to assess your needs. We will then be able to set out clearly your financial planning objectives based on your stated objectives, acceptable level of risk and any restrictions you wish to place on the type of policies you are willing to consider. Details of your stated objectives will be set out in a Suitability Report we will issue to you to confirm our recommendation. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.
Ø You hereby acknowledge that in the event of the firm assisting you in the completion of any investment or insurance application or policy proposal forms that you will in any event continue to bear full responsibility for the accuracy and completeness of the information entered on such forms. Therefore you understand that inclusion of incorrect information or omission of any material facts may result in the insurance, investment or policy to which the application or proposal relates to being adversely adjusted, made void and/or any claim(s) made against it being refused. The advice we give you will be based on the information you have given us and your stated investment objectives including the degree of risk you will accept. It is your responsibility to advise us on any changes.
 
Ø We will forward to you all documents showing ownership of your investments/contracts as soon as practicable after we receive them. All such documents may be sent by post and this would be at your risk.
 
 
Ø We will outline from the outset whether our advice will cover your entire financial planning needs or focus on specific areas considering any restriction you place on our advice.
Ø We require our clients to give us instructions in writing, or we may confirm our understanding in writing (by post or by email) in order to avoid possible disputes. This will usually be in the form of a proposal or application form. We will, however, accept oral instructions in certain instances provided they are subsequently confirmed in writing.
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
CLIENT CLASSIFICATION
 
Ø The Financial Conduct Authority (FCA) have three levels of client: Retail, Professional and Eligible Counterparties. Different levels of protection apply to each.
We have classified you as a Retail Client and, as such, you will be afforded the highest level of protection.
 
In the event of an unresolved dispute you will have a right of referral to the Financial Ombudsman Service (FOS) and may be entitled to benefit from the maximum protection available under the Financial Services Compensation Scheme (FSCS). It should be noted that not all Retail Clients are eligible claimants under the FSCS but, as a private individual, you are classified as an eligible complainant.
 
 
This agreement is personal to you and not assignable. We may accept instructions from and give information to third parties or your other advisers on your behalf where you have confirmed in writing we may do so. We cannot accept any responsibility for errors in information supplied by such persons. Where you are a trustee, director or officer of any trust, corporation or LLP requiring advice you warrant to us that you have full authority to act on behalf of the same and there are no restrictions on the limits of our advice of which we have not been made aware. We will not be responsible for advising on compliance with your trust, trustee, director or officer obligations.
    Go to next section or back to the top
 
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
THE COST OF OUR SERVICES
 
Ø You will pay for our services by either a fee or a combination of fee and/or fee by payment facilitation through product charging.
Ø We will discuss your payment options with you and answer any questions you have.
 
Ø We will not charge you until we have agreed with you how we are to be paid.
 
Ø Value added tax may be payable on some or all of the work we do. We will inform you if VAT is applicable.
 
Ø We may agree to charge you on an hourly rate for some or all of the work that we do.  Hourly Rates
Hourly Rates 2018 / 2019 tax year
   Director / Senior Financial adviser £250 per hour
 
 
 
 
 
    Financial planning and investment administration £50 per hour     Non regulated work and administration – please enquire about Armstrong Wealth Private Office. Non regulated activity falls outside the scope of this client agreement.
Ø We offer inclusive plans for ongoing service, tailored to your needs. Please refer to our Service Fee Plan examples on the following page.
 
 
 
    Go to Service plan examples or back to top
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
Our service plans
 
 
 
 
PLAN 1 PLAN 2 PLAN 3 Online reporting Available* ü ü Cash flow forecasting Available* ü ü Investment reviews per year1 1 1 2 Full planning reviews per year2 N/A 1 2 Capital Gains Tax planning û Available* ü Pension funding planning Available*                    ü ü Bespoke advisory portfolios û Available* ü Protection plans Available* Available* Available* Interact with private banks û û ü Interact with solicitor /accountant û Available* ü Access to family office3 û Available* Available* Cash management4 û Available* Available*
 
PLAN COSTS Engagement fees Initial fee on assets under advice5
0.50%
Ongoing fees (per annum) Service plan fee6 plus; Value related fee7 (on assets under advice) 1% 0.25% 0.25%    N/A £10,000 £5,000
 
 
1%
 
 
0.50%
 
 
 
 
The above fees are subject to minimums of £1,250 engagement fee and £1,250 per annum.
For examples of how charges relate to specific investment values, please see Section 17.
Notes 1. One investment review is mandatory and will be undertaken even where, in exceptional circumstances, you are unable to attend. You will be offered the number agreed in your plan. 2. We will offer you reviews as agreed. 3. Private office services are offered by separate agreement and fall outside the scope of this client agreement. 4. Cash management is not regulated financial advice and falls outside the terms of the client agreement. Engagement and ongoing fees are currently 0.25% and 0.1%. 5. Additional fees apply to high risk products and scenarios – this would be discussed at the time of advising and before you are committed.        6. Service plan fees are subject to annual review on 6 April. For existing clients the increase will not exceed the greater of CPI or the National Earnings Index.  7. We may charge up to 0.25% additional annual service fee where your plans are not managed on one of our recommended administration platforms. This is to cover the additional time spent. 
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
Payment for the Ongoing Services
 
The charges described above are calculated on a monthly basis and may be paid by standing order or, where possible, as an adviser charge paid from your investment accounts.
This service can be cancelled at any time.
 
Ad-hoc / Fixed fee work
We offer fixed fees for ad-hoc service for existing clients. Examples of the costs would be;       Financial Planning Review £1,000 to £3,000
 
 
 
 
 
 Investment Review £750 to £2,500  Estate planning £1,500 to £5,000  Pension funding review £750 to £2,500 
 
 
 Capital Gains Tax planning review £1,500 to £3,000  Transfer analysis for money purchase pensions, ISA and General Investment Account £500 per plan with discounts for multiple plans. 
 
Standard investment charges apply in addition to the above.
 Please note that some or all of the above may be included in your service plan.
You may wish to set a fixed amount of fees that cannot be exceeded without further reference to you, in which case please speak with your Adviser. Where charging a fixed fee we will provide you with a fee agreement showing the actual fee that will be payable for the agreed service being provided. Where charging an hourly rate we will provide a letter of engagement to indicate how much we might charge in total.
 
Pure Protection Products
 
If you buy a protection product you may elect that we are remunerated by commission. The  commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free. The commission paid to us forms part of a ‘product charge’ which you pay when you purchase the product. Product charges pay for the product provider’s own costs and any commission payable to third parties.
 
You may elect that we arrange for the protection premium to be discounted by the commission that otherwise might have been payable under the policy recommended. In this instance you will need to pay a fee appropriate to cover our advice and work as agreed in our letter of engagement with you at that time.
 
The amount of commission we receive will vary depending on the type of policy and (sometimes) the term of the policy or your age, as in the following example:
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
If you were to pay £50 per month towards a Critical Illness policy we may receive commission of 0.2% of the sum assured £455,000, which is roughly £1,006, and 0.003% of the sum assured, roughly £15 every year from month 48 to the end of the term.
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
General Insurance
 
Ø For general insurance we do not charge a fee. We will receive commission from the insurance provider.
Ø We may also receive commission or other form of benefit from working with the issuer of a security, a product provider or from another intermediary. We will inform you before the transaction if we are likely to receive such commission or form of benefit from recommending any product to you.
 
 
 
Ø In respect of any regular premium policy which we may recommend, should you subsequently cease to pay premiums on the policy and as a result of your cancellation we are obliged to refund product charges or other commission that has been paid to us we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will not charge such fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the product provider.
 
CLIENT MONEY
 
 
Ø For your additional security we do not handle client’s money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or other charges or disbursements for which we have sent you an invoice). We do not handle cash. Cheques for payment will be required to be paid direct to the insurance provider.
ACCOUNTING TO YOU
 
 
Ø We will make arrangements for all your investments/contracts to be registered in your name unless you first instruct us otherwise in writing. You have a right to inspect copies of contract notes and entries in our records in relation to transactions on your behalf. In that request we reserve the right to give you copies of such documents rather than access to the original records.
We will forward to you all documents showing ownership of your policies as soon as practicable after we receive them. Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you.
 
 
FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
Ø We subscribe to the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. You will find up-to-date details of the FSCS’s compensation limits, eligibility and details of how to make a claim on its website www.fscs.org.uk. As at February 2019, the limits are:-
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
Investment Most types of investment business are covered for 100% of the first £50,000.
Insurance Insurance Business: there is no upper limit on the amount of protection. (for claims against firms declared in default from 3 July 2015). Long-term insurance benefits are protected 100%. Claims under compulsory insurance, professional insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100% Protects 90% of other types of claim with no upper limit.
·
 
·
 
·
 
 
 
Further information about compensation scheme arrangements is available from the FSCS.
 
COMPLAINTS
Ø If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Unit 1 Andoversford Business Park, Andoversford, Cheltenham, GL54 4LB. Telephone Number 01242- 820738.
 
 
If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (www.financial-ombudsman.org.uk; South Quay Plaza, 183 Marsh Wall, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.
 
CANCELLATION RIGHTS
Ø The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.
 
 
MATERIAL INTERESTS/CONFLICT OF INTERESTS
Ø Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting for you.
 
 
As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly.
We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks.
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;
 
· A specific description of the conflicts that has arisen. · A clear documented statement of the steps the firm has taken to prevent the conflict. · An explanation of the remaining risks that are posed to your interest.
 
Ø We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.
 
RISK WARNINGS
 
Ø Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.
The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value.
 
 
For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made.
TERMINATION OF AUTHORITY
 
Ø You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
 
DATA PROTECTION
 
Ø We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be shared and which ensures there are appropriate safeguards, in accordance with the applicable data protection laws. We can provide a copy of this agreement on written request.
 
ANTI-MONEY LAUNDERING
Ø We are required to verify your identity in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.
 
 
Ø You agree to us recording telephone calls.
 
GOVERNING LAW & JURISDICTION
 
Ø LIABILITY
You agree to indemnify us in relation to any acts, proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities.
 
Ø We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts.
 
Ø Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting.
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
CLIENT’S CONSENT
 
Please tick to opt in to receiving a personalised email newsletter from us in the future.
 
Opting in means that you are consenting to receive a monthly email newsletter to the address supplied – if and when we start one. You have also supplied further personal information about you and you are also providing your consent for us to process this data to profile you so as to provide curated content.
 
Whichever option you choose, you can withdraw your consent at any time by corporate@armstrongwealth.co.uk and we will stop emails and delete your records.
 
 
There is an unsubscribe link on every newsletter. We won’t pass these details on to third parties for marketing purposes, and all data is looked after in accordance with our Privacy Policy which is available on request.
 
CLIENT’S AGREEMENT
This is our client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information.
 
 
I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties.
 
I/We authorise you to liaise with My/Our other professional advisers in exchanging relevant personal information pertinent to my/our financial planning requirements and to rely on any such information provided.
I/We agree that this Client Agreement will come into effect from the date below.
 
 
Client Name(s) ..  ..  ..  ..  ..  ..  ..  ..  .. .. .. ..  ..  ..  ..  ..  ..  ..  ..  ..  .. ..
 
Client signature(s) ..  ..  ..  ..  ..  ..  ..  ..  .. .. .. ..  ..  ..  ..  ..  ..  ..  ..  ..  .. ..
 
Date ..  ..  ..  ..  ..  ..  ..  .. .. .. .. .. ..  ..  ..  ..  ..  ..  ..  .. .. .. .. ..
Signed for and on behalf of the firm:
 
 
Adviser ..  ..  ..  ..  ..  ..  ..  .. .. .. .. .. Signature .. .. .. .. .. .. .. .. .. .. .. ..
Date of issue .. .. .. .. .. .. .. .. .. .. .. ..
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority

 
 
 
 
 
 
Salomons Estate, Broomhill Road Tunbridge Wells, TN3 0TG
corporate@armstrongwealth.co.uk Tel.    01892 576 577 EFax. 01892 579 978
  
Example Charges Table
£250,000 assets under advice, no cash management
 
Plan 1 Plan 2 Plan 3
Commencement fee (plan 1 excludes cash) £2,500 £1,250 £1,250 Ongoing annual service fee £2,500 £5,625 £10,625
 
£500,000 assets under advice, no cash management
 
Plan 1 Plan 2 Plan 3
Commencement fee (plan 1 excludes cash) £5,000 £2,500 £2,500 Ongoing annual service fee £5,000 £6,250 £11,250
 
 
£2M assets under advice, £500,000 of which is cash (cash management not included in plan 1). Plan 1 Plan 2 Plan 3 Commencement fee (plan 1 excludes cash) £15,000 £8,750 £8,750 Ongoing annual service fee £15,000 £9,250 £14,250
 
 
£3M assets under advice, £600,000 of which is cash (cash management not included in plan 1) Plan 1 Plan 2 Plan 3 Commencement fee (plan 1 excludes cash) £24,000 £8,750 £8,750 Ongoing annual service fee £24,000 £11,600 £16,600
 
 
Armstrong Wealth Ltd. Postal address: Salomons Estate, Broomhill Road, Tunbridge Wells, TN3 0TG Registered Office: Somer Valley Enterprise Park, Paulton House, Old Mills, Paulton, Bristol, England, BS39 7SX Registered in England and Wales, Company Number: 8986301, Armstrong Wealth Ltd is an appointed representative of Sanlam Partnerships Limited, which is authorised and regulated by the Financial Conduct Authority