This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.
What we do
Our services
We offer four core services: Wealth Management, Wealth Advisory, Wealth Builder and Mortgage & Protection Advice. Each service provides expert advice for people with varying financial needs and circumstances. You can better understand how each service works below, however, our team will meet with you to determine which one will suit your needs best.
Wealth Management
This holistic financial advice service is for clients with complex needs. It is best suited to those who want advice on the full range of financial products and services and have more complex finances that require support and management.
How we will help
- Initial and ongoing advice, suitability and recommendations
- Annual comprehensive financial review
- Access to cashflow modelling
- Meetings held at your home or our offices, or via telephone or video conference
- Investment, protection, pension and Inheritance Tax advice
- Access to our Personal Finance Portal
- Access to our in-house discretionary investment proposition, managed by our expert investment team
- The VT Esprit Funds are actively managed multi-asset portfolios designed to meet a wide range of risk profiles
Wealth Advisory
This holistic financial advice service is for those who require an advisory financial planning service with an external investment portfolio. This service is best suited to those who want advice on the full range of financial products with needs that cannot be met using our in-house investment solutions, therefore requiring a 3rd party solution to investment management.
How we will help
- Initial and ongoing advice, suitability and recommendations
- Full annual review and six-monthly reviews of funds used in your bespoke portfolio
- Access to cashflow modelling
- Meetings held at your home or our offices, or via telephone or video conference
- Holistic financial advice for those with specific investment requirements that cannot be fulfilled with the centralised solution.
- Detailed annual comprehensive financial review with cashflow
- Access to our Personal Finance Portal
Wealth Builder
This holistic financial advice service is for clients with less complex needs. It is best suited to those who want to ensure they have access to a qualified financial planner to support their financial planning needs, but do not require tax-led estate planning or long-term care advice.
How we will help
- Initial and ongoing advice, suitability and recommendations
- Access to a dedicated financial planner throughout the year
- An annual review meeting to ensure your plans stay on track
- Investment, pension and protection advice
- Meetings held via telephone or video conference
- Access to our Personal Finance Portal
- Access to our in-house discretionary investment proposition, managed by our expert investment team
- The VT Esprit Funds are actively managed multi-asset portfolios designed to meet a wide range of risk profiles
Mortgage & Protection Advice
As part of our Mortgage & Protection Advice service, we’ll do everything to ensure you get the best possible recommendations and set up any plans we recommend. It is best suited to those who do not require advice on their full finances and do not need ongoing help. This service provides advice on:
- Mortgages and equity release
- Personal and business protection
How we will help
- Dedicated specialist advisers
- Access to the whole of the market
- Access to preferential rates
- A rate management service at product expiry
Transaction Only (Bolt On Service)
This financial advice service is for those who pay for an ongoing advice service and benefit from our Wealth Management or Wealth Advisory services. This service is also eligible for client that have ceased their ongoing (fee paying) service with us but we provided the original recommendations.
How we will help
- Annual analysis on performance, contributions & withdrawals, charges and risk profile
- Administrative support for withdrawals and contributions
- Liaison between client and platform for all paperwork, tax packs, valuation statements and transactions
Our services
What do our services include?
Initial advice
Ongoing advice
Additional services
Mortgage & Protection Advice Wealth Builder Wealth Management Wealth Advisory
Introduce you to a dedicated financial planner to understand your needs 
Understand your circumstances, aims and objectives
Review your information to ensure we fully understand your goals
Recommend solutions to meet your objectives
Implement any recommendations you wish to proceed with
Continue to monitor your progress toward your goals and provide regular reviews with your planner
Mortgage & Protection Advice Wealth Builder Wealth Management Wealth Advisory
Recommend fund switches (if required)
Personalised annual review video alongside the review
Simple annual review document
Detailed annual review document
Monitor your financial plan against your objectives
Offer a face-to-face or virtual meeting with your planner
Offer a virtual meeting by telephone or video conference only with your planner
Full annual review
Expert in-house investment management
Daily investment review and rebalancing
Mortgage & Protection Advice Wealth Builder Wealth Management Wealth Advisory
Six-monthly review of your underlying portfolio
Bed and ISA at no added charge
Create a cashflow model to bring your finances to life at no extra cost
Create a cashflow model to bring your finances to life (additional cost)
Withdrawals and regular contributions at no extra cost
Access to your Personal Finance Portal
Access to monthly investment updates and blogs
Access to investment webinars
Access to Insignis Cash Management
General servicing (change of address, marital status, basic policy/plan amendments)