Financial advice and investment management must work hand in hand.
We stick to the following processes and principles when helping you to create a bespoke investment portfolio geared towards your lifestyle and financial goals.
Tax-efficiency
Your investments should be established within the most tax-efficient vehicle possible to suit your personal circumstances.
We, therefore, take into account your existing investments and all the possible tax implications before proceeding with an investment strategy.
Asset allocation
We will recommend the correct combination of asset classes to meet your attitude towards investment risk. This process is known as asset allocation.
We use cutting edge independent asset allocation tools to achieve diversification. We then regularly rebalance your portfolio to ensure it remains in line with your attitude towards investment risk.
Discretionary service
For larger investments, we may offer a full discretionary service using one of our professional partners who are authorised to give this type of service.
Expertise and experience
Using the expertise built up through many years of experience together with the use of leading-edge technology, we will recommend the most suitable funds within each asset class that forms your investment portfolio.
Sustainable investing
Your investments can have a much deeper purpose than profit alone.
Ethical investing is a process of incorporating social, environmental and ethical values into your portfolio’s philosophy and approach.
We can help you to align your investment portfolio with your personal values; whether you want to invest in companies that work for social change or environmental sustainability, or simply avoid those whose principles don’t align with yours.
We support the Sustainable Development Goals
The United Nation’s Sustainable Development Goals provide a shared blueprint for peace and prosperity for people and the planet. When investing, these goals provide a framework for sustainability.
We will help you to avoid companies whose activities don’t adhere to the goals defined below. Instead, we will help you to invest in companies that have a dedication to making positive changes for the environment and society.
Readymoney Investments Limited - Service Standards
| Service Overview | RMI strives to provide you with a comprehensive specialist financial planning service that encompasses investment, pension, protection & financial estate and tax planning. You can select just our core services for “one off” advice or core and ongoing services to ensure the advice remains appropriate to your continuing needs and circumstances. |
| The Benefits to you |
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| Our Core Services |
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| Our Ongoing Services |
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Costs of Our Services & Examples
| Core Services | Investment/Pension Advice (Lump Sums & Transfers) Our fee starts from 0.75% of investable assets, subject to a minimum fee of £1,840. There are no initial fees on subsequent lump sum contributions to Existing Plans. |
Example Investment £150,000 £250,000 |
Example Charge £1,840 £1,875 |
| Standalone Regular Premiums (RP) Plans Our fee is 1% of each regular contribution. |
Example RP £250 per month £500 per month |
Example Charge £2.50 per month £5.00 per month |
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| Annuity 1.5% of Purchase Price (subject to a minimum of £920) |
Example Net Fund £100,000 £150,000 |
Example Charge £1,500 £2,250 |
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| Ongoing Services | General Ongoing Advice & Reviews Our ongoing fee is typically 0.75% to 1% pa of funds under management |
Example Investment £250,000 |
Example Charge (based on 0.75%) £1,875 |
| Specialist Product Advice & Reviews Certain specialist products e.g. smoothed investment products, Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT) will be chargeable at a rate of 0.5% pa. |
Example Investment £50,000 £150,000 £250,000 |
Example Charge £250 £750 £1,250 |
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| Protection | We will be remunerated for protection advice via a commission derived from the product provider. You will receive a Client Specific Illustration which will detail any other fees relating to your particular insurance policy. | ||
| Financial Review & Report Only | Our fee is £690 to provide a Financial Review and Report only, which includes details of existing pensions, investments and protection plans with options. However, this does not include implementation. This fee will be waived wholly or in part should you proceed with any of our recommendations. However, should you decide not to implement any of our recommendations, payment must be made within 28 days on receipt of invoice. | ||
What our clients say
I was recommended Paul and Bryony as financial advisers by a friend. My husband and I were particularly interested to think about where to invest our savings. They have helped us to think about what level of risk we are prepared to engage with and explained the different possibilities very clearly and thoroughly, enabling us to maximise the potential of our investments. They also provide regular updates. We have been very pleased with their service and have already recommended them to others.
London
I have been a client of RMI since their foundation. Prior to that, I dealt with the directors for my own personal pension and our business pensions. This relationship as existed for the last 25 years. During this time, I have received first-class support and advice. I have always been kept informed on financial trends and opportunities. To this end I was able to plan retirement early if I wished. More importantly, I was able to choose the right opportunity as when to retire. Since retiring, I continue to receive the highest service and advice on fund management.
Ex General Manager
Leicester
We have dealt with Paul and his staff for over 20 years and have received a first-class service that is completely to our entire satisfaction. We would have no hesitation in recommending the company to anyone who is seeking financial advice.
Ex Non-Executive Director, Earl Shilton Building Society
Leicestershire
It’s a great comfort to have Paul Eason and his team on call if I have any queries or concerns about my finances.
Oxford
Paul Eason and Bryony Evans have competently managed our investments for the past twelve years. Their service has been managed diligently; they have provided consistency of advice for positive results. This has given us satisfaction and confidence in their ability to handle our personal affairs. Their research and advice are in-depth, concise and clear. They have demonstrated a thoroughness in all aspects of our personal financial planning.
Devon
Following a personal recommendation from a colleague some two years ago, Bryony and Paul provided advice to my wife and myself on planning for my forthcoming retirement. Latterly they have helped another family member on how best to invest a lump sum inheritance. On both occasions, they have guided us through the various options available, indicating the pros and cons in an easily understandable way. They continue to provide regular updates on how the investment is performing. We have always found them to be attentive, knowledgeable and a pleasure to deal with. We would have no hesitation in recommending them to a friend seeking an adviser.
Rutland
When you are investing, you need confidence to make decisive commitments. Paul Eason and Bryony Evans at RMI are true professionals that you can trust implicitly for commercial and personal advice and transactions.
Chairman, Cellular Mouldings Ltd
Northants
RMI not only deal with all our company's employee benefits schemes, but also provide invaluable support for us on a personal level. Nothing is too much trouble and we have found their service to be effective, efficient and friendly. We would recommend RMI to any company or private individual looking for a comprehensive and personal service.
Ex Directors of The Bright Consultancy Ltd
Bournemouth
Paul and Bryony have advised us for over ten years. They bring strong market knowledge and analysis to provide balanced views for investment decision making. This is then backed up by thorough administration - all delivered in a professional and easy-going manner.
Concept Shape Ltd
Cheshire
RMI Independent Financial Advisers have been assisting our clients with knowledge and insight into the world of pensions and protection for over 10 years. They have helped many of our company and personal clients navigate their options and meet the legislative duties around pensions and auto-enrolment in the most efficient way, whilst giving them the confidence to plan effectively for their future. We have no hesitation whatsoever in recommending their services to not only our clients, but to other professional connections.
Accountants
Wiltshire
Paul has been a trusted adviser to our business for over 20 years and he and Bryony continue to support us with our company pension scheme whilst providing first class financial advice. We would highly recommend RMI for anyone seeking a quality financial advisory service.
Managing Director, LINAK UK Ltd
Birmingham
I was looking at my potential retirement options and RMI were able to come up with a bespoke pension solution that enabled me to retire earlier than I had expected.
Not knowing how to plan for the future, I required advise about pensions and insurance policies and Paul has helped by being constantly available, calm and pragmatic.
Director
Paul was recommended to me by one of his clients and I was looking for a financial adviser who could help with a pension scheme for my employees and also for my personal plan.
Paul helped all the members of my team. He had time and patience and everyone individually with their various circumstances. He was also very helpful with my personal pension during the time I have my business. My personal circumstances have now changed and Paul’s advice has been invaluable.
Business Owner
Get In Touch
If you’d like to learn more about our services or book a meeting, please leave a message and a member of the team will be in touch.
