Are you on track to meet your goals? - Our Second Opinion Service

New prospective clients often come to us with an existing adviser relationship, but are completely new to the concept of financial planning. We acknowledge that choosing an advisory firm to look after your hard-earned money can be a difficult task and that building a trusted relationship takes time.

We know that our clients’ relationship with their planner is a key aspect of the excellent service we provide. Over four hundred of our existing clients told us this in our Client Listening Survey in 2022. This survey also highlighted that over 92%* of our clients would recommend their friends, family and colleagues to Carbon, so making it easy for our clients to do so is a priority for us.

With this in mind, we developed and expanded our - try before you buy – Second Opinion Service to allow prospective clients to better understand what makes Carbon different.

What is our Second Opinion Service?

Whether you are thinking of switching from an existing adviser or are completely new to financial planning, sometimes you just want to get a better understanding of what you have before fully committing to becoming a Carbon client.

Our Second Opinion Service is a one-off, free, no obligation overview of your current financial position.

The service includes:

• An understanding of where you are now, where you hope to get to and how far along the track you are to achieving this.
• A greater understanding of the relationship between risk and reward within your existing investments and pensions.
• An understanding of the cost of your existing investments and pensions.
• A clear traffic light system summary to show you the areas you are on track with and the areas that need further work.

At the end of this process, we’ll arrive at one of two conclusions;

1. You are in great shape and no work needs to be done. You leave reassured and with peace of mind.
2. We identify some areas where you could do better in terms of costs, mitigating risk, saving tax or in terms of investment performance or suitability.

Should the outcome suggest some areas for improvement, we will be well placed to discuss our advice journey and how we can help in each of the areas. Even if you decide not to become a Carbon client at this stage, we are confident that you will be in a more informed position having taken advantage of our Second Opinion Service. You might even have had some fun along the way working out your future goals and motivations. There is no hard sell. We hope the insight provides you with a clear picture of how Carbon’s approach to financial planning and investment advice is very different from our competitors.

Should you have any questions regarding the Second Opinion Service or wish to discuss this further, please contact us on 0131 220 0000, enquiries@carbonfinancial.co.uk or speak to your usual contact at Carbon.

*92% of clients scored us 9 or 10 out of 10 for this question (477 clients surveyed)

The value of investments and the income derived from them can fall as well as rise. You may not get back what you invest.

This communication is for general information only and is not intended to be individual advice. It represents our understanding of law and HM Revenue & Customs practice. You are recommended to seek competent professional advice before taking any action.

Tax and Estate Planning Services are not regulated by the Financial Conduct Authority.