SERVICE DETAILS

Our five main services are as follows:

• clarityONE-TO-ONE
• clarityONE-TO-ONE+
• clarityINVEST
• clarityTRANSACT+
• clarityVALUATION

This service is designed to take responsibility for the management of all aspects of your money, in whatever form. For a fixed fee the service incorporates 12 months’ cover for:

• Financial planning and investment strategy
• Review of existing financial arrangements and agreement of a future financial plan
• Recommendations of new investments and products which will achieve the stated objectives
• Purchase of investments via the website or paper-based applications. All discounts and initial commission is reinvested for the benefit of the individual
• Access to our helpline
• Advice for spouses, partners and their children
• Annual valuations of investments and pensions
• E-mail alerts on topical issues and fund performance

clarityONE-TO-ONE+

The clarityONE-TO-ONE+ service is designed for those who need to look at their finances in more detail or more often. Therefore, the whole clarityONE-TO-ONE review process is completed twice per annum.

clarityINVEST

This level of service provides clients with the facility to transact Unit Trust, OEIC and ISA investments, which can be made online; in addition to ISA and PEP Transfers at nil initial commission rates (both in and out of Self Invest Pension Plans). We also provide help with switches, asset allocation modelling and an online valuation service.

The clarityINVEST service has two charging options. We can either fund the costs for transactions, switches, valuations and asset allocation modeling through the trail income available (usually for active funds 0.5%, bond funds 0.25% and tracker funds 0% - average 0.35-0.4%) or we offer a fee option at 0.5% p.a. of the portfolio amount. The charge is usually higher on a fee basis to reflect the fact that we will have to manually reconcile all the trail income received, holding by holding. The default assumption is the commission option.

clarityTRANSACT+

This enhanced service includes the following transactions:

• Offshore funds
• Investment trusts
• Life policies
• Pension policies

The fixed fee is charged per investment transaction.

In all cases we are assuming you either already know the product you want or you are able to select from the "buy lists" on our site. Any advice from one of our advisers would involve additional charge.

clarityTRANSACT+ is available as a standalone service but is included with the clarityONE-TO-ONE services.

clarityVALUATION

The clarityVALUATION service offers an annual valuation of your portfolio as well as nil commission dealing for ISAs and unit trusts.

SUMMARY OF BENEFITS