• Build up and look after capital tax efficiently
• Make the most of any money you have
• Invest in Unit Trusts, OEICs, Investment Trusts, Mutual Funds
• All Area of investments covered
• We are advisers NOT salespeople
• Guaranteed regular reviews not annual
• We are not tied to any provider or group of providers
• Directly authorised and regulated by the Financial Services Authority.

FSA Registration Number 440049

At All Counties Financial Ltd our aim is to ensure that your money works as hard as possible to maximise your investment opportunities.

In order to achieve this we look at the following options to decide which investment strategy to take for you.

• What is your attitude towards risk?
  Do you want to take no risk, or a middle of the road risk, or are you more of a higher risk investor.
• Do you require access to all or part of the capital in emergencies?
  As the unexpected can always happen, how crucial is any investment to your finances.
• Do you require an income from your capital?
  Are you looking for growth from your money or do you need extra income?
• How long do you want to invest the money?
  Are you just putting some aside for a year or are you looking to invest for the longer term.
• What is your current tax situation?
  Can we use your tax situation to reclaim some of your tax or minimise the tax you pay on your investments.
• How is the money already invested?
  Can we make minor adjustments that will improve your portfolio rather than having to make major changes?

Based on the information that you provide, we can build an investment portfolio, which would contain one or more of the following types of investments.

• Bank and Building Society Accounts
  These can provide instant access to your money and high rates of interest on certain accounts, but will not offer the type of returns that the stock market could potentially offer.
  
• National Saving Accounts
  These offer complete security for any capital invested, but tend to offer a lower interest rate than other financial products.
  
• Individual Savings Accounts
  These offer tax efficient savings of up to £7,000 per annum with no tax payable on the returns generated by the ISA. ISAs offer a choice of investing cash, or stock market based products.
  
• Insurance Bonds
  Issued by life assurance companies, they offer a wide range of investment opportunities.
  
• Unit Trust/Investment Trusts
  These offer both income and capital growth and tend to specialise in particular areas. There are around 2,500 trusts and they offer varying degrees of risk. Each trust will contain investments in several different companies.
  
• Open Ended Investment Companies (OEICs)
  A Sophisticated investment vehicle whereby you buy shares in a company that manages investments.
  
• Offshore Funds
  This is where your money is invested outside the UK to take advantage of lower tax rates.
  
• Ethical Funds
  This is where money is invested in funds that actively do not invest in certain types of company such as alcohol, tobacco or arms manufacturer.

The value of investments is determined by the value of units, the price of which can fall as well as rise. You may get back less than you originally invested, especially in the early years.

How we are paid

On receiving an enquiry we will invite you to either come to our office for a preliminary meeting or we can arrange to visit you in your home or place of work. The purpose of the meeting is firstly to establish whether we are able to assist with your needs and objectives and secondly to discuss how we would be paid for our services should you instruct us to proceed. There is no charge and you are under no obligation for this preliminary meeting.

After the initial consultation we will discuss with you whether you pay us a fee or we are paid out of the cost of any financial product you buy (commission). We will always tell you about any commission we earn, and it will be taken into account in working out our fee.

Commission is paid to an IFA firm by a provider, usually an insurance company or an investment house for the successful placing of business. The commission is included within the provider’s normal product charges, so you will not need to pay us any additional fees. The amount of commission is based on a percentage of the premiums payable or sums invested.

Where you may find us different to other IFA’s

WE TAKE A MAXIMUM OF 5% COMMISSION ON BONDS AND OTHER INVESTMENTS AND THE REMAINDER OF THE COMMISSION IS PAID BACK INTO YOUR BONDS OR OTHER INVESTMENTS.

If paying by fees the fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees sometimes attract an additional VAT charge where as commissions under current legislation do not.