Central Wealth Management Limited

All our clients get personalised, expert advice and portfolio management. We construct risk-adjusted portfolios spread across a range of assets using fully researched funds for all clients.

For clients that want other specialist services e.g. Pensions and retirement income or Holistic financial planning, we can also assist.

We will deliver our portfolio services in a variety of ways depending on cost and choice.

For large portfolios you will be a client of Central Wealth Management

For portfolios in excess of £250,000 we will usually agree special terms or you will be a full Wealth Management client. Such portfolios may require an administrative platform with a wider range of investments for greater diversity. Unlike most wealth managers we cap our fees so if you have a large portfolio you will find our fees very competitive – this is because we keep our business small and efficient. The fee will cover our holistic financial planning report (Financial route planner™), implementing any advice e.g. tax saving, improving return on cash and finally maintaining any investment and pension portfolios.

See our service description

For Pensions Portfolios and Investing for Income drawdown see Pension investment pages.

For Medium portfolios

If your invested assets in Unit trusts, OEICS, PEPs, ISAs etc and new money to invest is between:

£50,000 and £200,000 we will provide advice again via Central Financial Planning

Online (by email), on paper, by phone and in person.

The costs taken from your investments (or by separate fee if required) will be:

1% initial charge i.e. we will usually rebate 2% of the standard fees taken on funds back into your investments.

0.6% per annum (the additional 0.5% commissions available on many funds will not be taken).

A fund platform charge may also apply – we will provide you with details.

Switches and annual rebalancing of your portfolio will be free apart from any minor dealing and stamp duty costs. Overall costs including all fees are likely to be less than if you bought similar investments directly off the page or via a Bank or Building Society.

For Small portfolios

If your invested assets in Unit trusts, OEICS, PEPs, ISAs etc and new money to invest is between:

£5,000 and £50,000 we will provide advice via Central Financial Planning Limited

Online (by email), on paper and by phone (advice in person is available for an additional fee).

The costs taken from your investments (or by separate fee if required) will be:

2% initial charge i.e. we will usually rebate 1% of the standard fees taken on funds back into your investments.

0.6% per annum (the additional 0.5% commissions available on many funds will not be taken).

The actual funds may take an initial charge (discounted as described above) and an annual management charge (which is almost certainly already being deducted from your existing funds).

A fund platform charge may also apply – we will provide you with details.

Full details of charges are provided for your personalised portfolio.