ARGHANS INDEPENDENT FINANCIAL ADVICE
Welcome to my website. Here you will find all sorts of information about my work as a Independent Financial Adviser. I provide all the tools, guidance, and support my clients need in order to succeed in the competitive marketplace. Take a look around and explore the various services I offer, some of the clients that I’ve partnered with, and some examples of the kind of work I do.
ARGHANS
Arghans / M ‘arhans, L ‘ærhɐnz
1. Cornish—money, finance
2. Silver— old Cornish argans, from Proto-Celtic arganto- (‘silver’), Latin Argentum originally Proto-Indo-European h₂erg- (‘to shine’)
THE FIRM
Looking for the right Independent Financial Adviser can be a complicated and daunting process. Offering a different, yet professional service is essential in today's cluttered market. We strongly believe that we can offer the right service for you or your company, offering a wide range of effective solutions. We offer a free, unhurried, initial consultation to get to know each other and see how we can help.
ARGHANS
Arghans has always been a small firm, and we plan to stay that way. It is the only way to maintain one to one relationship with clients.
HOW WE WORK
Our investment approach is backed-up with years of technical know-how, to give your savings, investments and pensions the best chance to grow. We use a tried and tested advice process to ensure our clients get what they need and impartially, for you.
IMPARTIAL ADVICE
Our clients welcome our high quality impartial advice, free from product or provider bias
PERSONAL SERVICE
It is up to your how your work with us, but we prefer to meet face to face, where we can have an open discussion and get to know what your goals are
ABOUT ME
I started working in Financial services in 2000. Before then I worked in publishing, as a book editor and historian. This move from history to finance may sound a leap but that is where he learnt to gather, investigate and assess complex data; understand and analyse issues, and convey them into easily understood themes. All key to giving good advice.
I love working on long-term projects like:
building up wealth for the future;
getting enough income during retirement without paying too much tax;
securing your children's inheritance or
making sure your money meets your needs and leaves enough to help the next generation,
Outside of work I remember I had hobbies once, but then family came along and it became easier just to follow their hobbies. When I get the chance you’ll find me on a long walk with my two collies. I was chair of Polzeath Surf Life Saving Club and I still train beach lifeguards, but as either I’m getting slower or they are getting faster I seem to find it easier to keep up by going out in an Inshore Rescue Boat.
FEES
We charge for our services in various ways. We discuss these options with you before you make any commitment: the level of fee depends on the type and complexity of work undertaken and the amount of the investment. The amount to be charged will be disclosed and agreed with you either at the end of our initial meeting or at our earliest opportunity once we understand the work required. The charge will always be disclosed before you commit to taking up our advice. Full details of charges are contained in the firm's Terms of Business agreement which you can read here.
To give you an indication of the fees you are likely to have to pay I have given some examples of past work below:
EQUITY RELEASE
The client wanted to take £40,000 equity from their home to improve their lifestyle, buying a car and going on holiday. Commission was £800 was paid by the lender.
ISA INVESTMENT
A relatively straightforward investment of £40,000 into an investment ISA over two tax years. The charge was 3% of the investment, equivalent to £1,200
INHERITANCE TAX PLANNING
This was a more complex case, involving reducing a significant potential inheritance tax bill and maintaining income in retirement. The total investment was £225,000. The total charge was £4250