Aqua Financial Solutions Ltd, is authorised and regulated by the Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.Our FSA Register number is 467730. Our permitted business is advising on and arranging pensions, savings and investment products, mortgages and non investment insurance contracts. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
You will be provided with this information in a document, once you are happy with its content our client liaison manager will carry out a telephone interview with you, we will not charge you for this and you are not obliged to take any other service from us. The purpose of this interview is to gain information about your current circumstances. This information will be recorded and summarised in a 'Personal Financial Review' document.
A suitable adviser within Aqua will arrange a telephone meeting with you to discuss your 'Personal Financial Review' in greater depth. Normally we consider a clients entire financial situation, this is known as 'Holistic' (or 'comprehensive') advice. In this case we will send you a report of the adviser's interpretation of your personal financial review; we call it our 'Holistic Report'.
It will highlight the areas of your financial planning arrangements that may need addressing either immediately or in the future. Although the report is tailored to your personal financial situation it does not seek to influence any decision towards any of the stated options. We will discuss and agree your financial objectives and your priorities. Once these are agreed we can decide what specific services and which of our payment options will be most suitable for you.
Where a client has a clear and specific requirement as a priority and would prefer not to receive 'holistic' advice then we can provide 'Fast track' (or 'focused') advice. You will not receive a 'holistic report' in this case. Following this meeting a specific fee proposal will then be provided to you detailing the scope of the service you can expect to receive for the payment plan we are recommending.
If you are happy with your fee proposal and have engaged Aqua to act on your behalf we will conduct the necessary research, prepare our recommendations and arrange a suitable time and location to present them to you.
The implementation of a Financial Plan can take years to complete and will also require ongoing monitoring and advice based on your changing circumstances. Clients can enter into a 'Service Agreement' which will then provide the following ongoing services;-
Please click here for our Terms of Business.
