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Hereford Pension, Investment & Mortgage Centre

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Hereford Pension, Investment & Mortgage Centre

Overview:

We have continued to embrace change, to provide solutions for our clients (both individual and corporate) and to build long lasting relationships in order to assist our clients to meet their goals. Within the firm we have 8 advisers, 4 of whom are partners being Alistair Fitt, Ian Jordan, Bryan Pedersen and Ian Singleton and all of which are supported by our admin team. Our expertise covers the expanse of financial services including Occupational Pension transfers, Investment Management, Equity Release and Long Term Care.

With the advent of the Retail Distribution Review (RDR from the 1st January 2013), we elected to move to a ‘Restricted Advice’ model covering specific areas of expertise (from which we view the whole of market) and exclude advice on certain products (e.g. Structured Products, VCT’s and EIS’s). Our rationale was that the products excluded are extremely unlikely to be required by our ‘typical’ investor. The costs and time required of maintaining appropriate knowledge and information on each product, in addition to the compliance and supervisory costs, were deemed non-commercial for our business and this decision was therefore concluded to be more profitable for our existing clients. This decision remains under regular review.

Hereford Pension Investment & Mortgage Centre LLP is able to act on your behalf in advising you on investments and non-investment insurance contracts. We offer products and services as follows:

Pensions – we offer a restricted advice service.
Investments - we offer a restricted advice service. We will recommend investments from the whole of the market but do not currently advise on specific types of investment i.e. unregulated collectives and structured products. You may ask us for a list of the types of products we advise on.
Non-investment protection contracts - we offer non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers.
Mortgage Advice - We advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to “intermediary” firms. Certain lenders may offer products directly to the public, rather than via an intermediary firm, with more favourable terms.
We will provide you with a separate ’Key Facts about our services’ document detailing the services we offer and the costs of those services.

We offer you an initial discussion (without charge) at which we will describe our services more fully and explain the payment options. If you decide to go ahead, we will:

Gather and analyse personal and financial information about you and your needs and objectives;
Ascertain your investment knowledge, attitude and tolerance towards investment risk;
Recommend an asset allocation model that matches your investment risk profile and the subsequent assessment and suitability of any existing investments;
Analyse and design your investment strategy
Recommend and discuss any action we think you should take and, with your agreement, arrange relevant solutions for you.

History:

Hereford Pension, Investment & Mortgage Centre LLP was originally established in 1998, with the current legal structure since 2004.

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