Client Services Agreement

Hammond Raggett Client Services & Fee Agreement

Hammond Raggett & Company Ltd is an Independent Financial Advisory and Wealth Management business operating from offices in Manchester City Centre. Being Independent means, we can recommend solutions to suit our clients from across the whole of the marketplace.

We provide advice across most areas of financial planning including Saving and Investments, pre and post-Retirement Planning (including the full range of flexible retirement options and specialist pension arrangements such as Small Self-Administered Schemes (SSAS), and Self Invested Personal Pensions (SIPPs), Inheritance Tax Planning, Personal and Family Protection and Business Protection including Shareholder and Key Person planning.

Our client base is varied and our clients come from all walks of life. They include individuals and corporates, those who are still working, and those who have retired. Client retention is fundamental to our business and we aim to build and maintain long-term relationships. We are proud to have been one of the first firms in the UK to be awarded Chartered Status, a prestigious award that recognises our commitment to professionalism and fair treatment of clients.

Whatever financial decisions you have to make, the first step towards making the right decisions is to establish a clear understanding of your financial needs. People seek financial advice for many different reasons so it’s important that we understand exactly who you are and what you want to achieve. At our first meeting, we’ll gather information about you to help define your needs and priorities.

For Individuals, our services include: –

Financial Planning: It’s important to identify what you might want to achieve and how you can do this. We can help you to identify your goals and create a plan for your finances to help you achieve them.

Pre-Retirement Planning: It’s important to know whether the money you are saving towards retirement will provide you with sufficient funds to meet your retirement objectives. We can work with you to proactively plan for your retirement and help you decide on the options available once at retirement.

Post-Retirement Planning: How to best make use of your existing pension funds and other assets to generate income in retirement.

Protection Planning: Most of us want to protect the things that are important to us, our family, business and quality of life. Protection planning can help to provide peace of mind in the event of your income changing due to unexpected events. We can help you plan for the best way to protect you, your family or your business.

We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. Our services typically comprise initial and ongoing advice services. We also offer services to corporate clients. Please see Our Services menu for further information.

You can download a copy of our full Client Services and Fee Agreement using the link below.