{"id":268,"date":"2018-01-31T11:48:52","date_gmt":"2018-01-31T11:48:52","guid":{"rendered":"https:\/\/aspenfs.co.uk\/?page_id=268"},"modified":"2023-06-27T16:31:38","modified_gmt":"2023-06-27T15:31:38","slug":"ourproposition","status":"publish","type":"page","link":"https:\/\/aspenfs.co.uk\/ourproposition\/","title":{"rendered":"Our Proposition"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

Hold the Vision, Trust the Process<\/strong><\/h1>\n
<\/h5>\n
\"\"Since we opened our doors we have helped clients build strategies that align with their risk profile, timescale, hopes and values<\/h5>\n
Engaging with clients requires experience, knowledge, discipline and empathy<\/h5>\n
First things first, we need to be able to tune into your view of your world, because without that, any advice we give or ideas we put forward, just won’t feel right<\/h5>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

<\/h4>\n

Financial planning is a cycle<\/h4>\n

We believe in the process and structure of financial planning and by starting here, we defined our vision for Aspen and the integrity of the staff within<\/h5>\n
In simple terms;<\/h5>\n
    \n
  • \n
    Clarify where we stand now<\/h5>\n<\/li>\n
  • \n
    Determine where we would like to get to<\/h5>\n<\/li>\n
  • \n
    Create and workalong a roadmap<\/h5>\n<\/li>\n
  • \n
    Review and repeat at regular intervals<\/h5>\n<\/li>\n<\/ul>\n

    It’s not what we do once in a while that shapes our lives, it’s what we do consistently<\/h4>\n

    \"\"<\/p>\n

    Experience and Knowledge<\/h4>\n

    All staff members are enrolled in continuing professional development workshops and tests to maintain product knowledge and to improve their job skills or move to a different role<\/h5>\n
    Knowledge of the ever-changing economic, political and legislative backdrop is maintained within in-house and company funded tests, seminars and workshops<\/h5>\n

    Independence<\/h4>\n

    A vital part of financial planning requires advisers to discuss any existing or historic products and policies you might hold.<\/h5>\n
    Our Independent regulatory status provides us with the ability to work with your current providers, advise on changes to your old and pre-existing products, without requiring you change provider unless absolutely necessary to your needs<\/h5>\n

    Our First Meeting<\/h4>\n

    Initially, we need to discuss your objectives, together with your current financial position<\/h5>\n
    Our initial meeting is a good point to introduce our scope of service, find some common ground and make sure we can work forward<\/h5>\n
    Discussing your understanding of risk, taking stock of your experiences with financial planning, creating objectives and building a plan are key components to start<\/h5>\n

    <\/h4>\n

     <\/p>\n

    Tools at hand<\/h4>\n

    \"\"We normally use analytical tools to determine financial plans;<\/h5>\n
    Investment risk \/ costs \/ consistency of all investment options<\/h5>\n
    Product cost comparisons<\/h5>\n
    Cashflow planning for retirees<\/h5>\n
    <\/h5>\n

     <\/p>\n

    <\/h3>\n

     <\/p>\n

    <\/h3>\n

    <\/h3>\n

    <\/h3>\n

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_accordion active_section=”1″ collapsible_all=”true”][vc_tta_section title=”Costs and charges” tab_id=”1602506509366-d5a4d218-3cab”][vc_column_text]<\/p>\n

    In line with our fair and simple philosophy, we have designed our charging structure to make doing business with us straightforward.\u00a0 Like any business we need to charge for our services in a manner that you understand and feel comfortable with.<\/h5>\n
    The scope of our business is wide ranging and encompasses an array of areas, such as pensions, investments, mortgages and so on.\u00a0 Each area requires differing levels of work, skill and expertise.\u00a0 To make our practices fair, we make bespoke charges based on the type of work we are conducting and the potential long-term involvement, which promotes a fairer system for our clients.<\/h5>\n

    Further Information<\/strong><\/h4>\n
    Our Customer Agreement and Key Facts about our Services provide formalised statements of the way in which we conduct business and how we make charges.\u00a0 These are available on request<\/h5>\n

    [\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Methodology” tab_id=”1602506509392-ac8c1e0c-98a9″][vc_column_text]<\/p>\n

    Choosing an Investment<\/strong><\/em><\/h4>\n
    The complexity inherent in financial planning has become so bewildering that many people simply do not know where to turn.\u00a0 The following appendices outlines some of the expertise and skills we employ to deliver our service.<\/h5>\n
    We help clients to understand the risk associated with any investment they may consider.\u00a0 To make sure we create an environment of understanding and two-way dialogue and includes questionnaires help us build a profile of your expectations.\u00a0 This can form part of our annual reviews to take into account any changes to our clients personal or moral investment objectives.<\/h5>\n
    We maintain a review system, which is designed so that we contact you regularly<\/h5>\n

    Choosing the Right Product and Policies<\/strong><\/h4>\n
    There are a number of reasons to review your existing policies of all types, the main points below give us the ability to provide you with a fair comparison of what you have now and where the current market place is;<\/h5>\n

    Fees:<\/strong><\/h4>\n
    There can be a number of costs and charges associated with investment products and insurance policies.<\/h5>\n
    The first thing we do, is to find out what you are currently paying and compare that to the current market.\u00a0 We use various comparison tools to do this and just like shopping around for the best car insurance or house insurance, the same should apply to all your financial products<\/h5>\n
    Life Assurance and Critical Illness<\/strong><\/h5>\n
    This type of product is initially driven by your available budget, as most policies trade on cost comparison.<\/h5>\n
    However, we have found that as the market place has become more complex, your needs and advances in medical science, are not met by cheaper or older policies<\/h5>\n
    There are many companies providing much wider and varied types of cover, often insuring against conditions not previously survivable.<\/h5>\n
    Wellness and maintaining your fitness and actually helping you keep fit and healthy now feature in many policies, with discounted gym memberships, discounts on healthy living (bikes, fitbits), together with lifestyle discounts at spa’s and travel<\/h5>\n
    Keeping your old policies up to date with your needs is vital and whether we are starting from scratch or reviewing existing cover, our systems will create the most cost effective cover within the right policies<\/h5>\n

    [\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Treating Customers Fairly” tab_id=”1602506933891-24094c12-7cb8″][vc_column_text]<\/p>\n

    Committed to treating our customers fairly’<\/strong><\/h4>\n
    At Aspen Financial Services Limited, we are committed to offering our customers the highest possible standards of service.\u00a0 In so doing we are pleased to support the Financial Services Authority initiative \u2018Treating Customers Fairly\u2019<\/strong>.<\/h5>\n
    We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealings with you.<\/h5>\n

    Our commitment to you<\/strong><\/h4>\n
    We will:<\/h5>\n
      \n
    • \n
      provide you with clear information about the products and service we offer, including fees and charges<\/h5>\n<\/li>\n
    • \n
      ascertain your individual needs, preferences and circumstances before recommending a mortgage<\/h5>\n<\/li>\n
    • \n
      only recommend a mortgage that we consider suitable for you and that you can afford \u2013 and always the most suitable from the available options<\/h5>\n<\/li>\n
    • \n
      not recommend a mortgage if we can\u2019t find one we consider suitable<\/h5>\n<\/li>\n
    • \n
      encourage you to ask if there\u2019s something you don\u2019t understand<\/h5>\n<\/li>\n
    • \n
      give you access to a formal complaints procedure should you become unhappy with our service<\/h5>\n<\/li>\n<\/ul>\n

      How you can help us<\/strong><\/h4>\n
      To help us give you the most appropriate advice, we will ask you to:<\/h5>\n
        \n
      • \n
        tell us as much as possible about your income and outgoings, to enable us to properly assess how much you can afford<\/h5>\n<\/li>\n
      • \n
        let us know about changes that might affect your ability to repay a mortgage<\/h5>\n<\/li>\n
      • \n
        let us know if there is any aspect of our service, or of a product we have discussed or recommended that you don\u2019t understand<\/h5>\n<\/li>\n
      • \n
        tell us if you think there are ways we can improve our service<\/h5>\n<\/li>\n<\/ul>\n

        [\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"

        [vc_row][vc_column][vc_column_text] Hold the Vision, Trust the Process Since we opened our doors we have helped clients build strategies that align with their risk profile, timescale, hopes and values Engaging with clients requires experience, knowledge, discipline and empathy First things first, we need to be able to tune into your view of your world, because without […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"_links":{"self":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/pages\/268"}],"collection":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/comments?post=268"}],"version-history":[{"count":5,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/pages\/268\/revisions"}],"predecessor-version":[{"id":1008,"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/pages\/268\/revisions\/1008"}],"wp:attachment":[{"href":"https:\/\/aspenfs.co.uk\/wp-json\/wp\/v2\/media?parent=268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}