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WRAP Account advice service

Expert Financial Solutions Ltd offer advice on investment management, advice on wealth creation and advice on wealth management.

Expert Financial Solutions Ltd are Chartered Financial Planners and independent financial advisers which means that we are able to choose the best investments for you from the entire market place to seek potentially superior long term returns in the medium to long term.

We offer investment advice and wealth management using active or passive strategies or a combination of active and passive management.

A key part of our investment and wealth management advice service is a WRAP account.

A Wrap Account is a financial service that allows you to view all your financial assets on one administration platform regardless of the underlying product or tax wrapper.

Within a Wrap account your entire investment portfolio can be assessed, analysed and quantified according to value, tax treatment, product or tax wrapper and investment asset allocation.

A Wrap account will allow you to have your ISA (including old PEP accounts), pensions, onshore and offshore insurance bonds all held under one roof.

Wrap accounts are ideal for those at or near to retirement looking to achieve additional income from their investments or pension plans. An amount of income can be generated from the portfolio as a whole whilst your adviser deals with the source of funds within the Wrap account, as well as the asset allocation, asset disinvestment and taxation issues. 

Most Wrap accounts offer client level access as well as adviser access through secure internet sites.

Wrap accounts have many benefits for investors including: -

• Wrap accounts allow you to take a holistic view of your current financial position.

• Wrap accounts offer online access to your investments through a secure website at any time of the day or night.

• Wrap accounts allow you to adjust your investment objectives as your life changes and to make those changes at quickly, easily and at low cost.

• Wrap accounts are transparent services where you can readily identify the various costs associated with your portfolio.

• Wrap accounts have simple and transparent charges.

• Wrap accounts offer considerable investment flexibility and allow you greater investment freedom than traditional insurance company based products and investment fund supermarkets.

• Most Wrap accounts offer an integrated annual report for investment performance and tax reporting.

• Wrap accounts offer reduced levels of administration and paperwork to the client.

• Wrap accounts offer simpler movement of assets to beneficiaries upon death.

• Wrap accounts offer can offer pension investors the facility to hold personal pensions, Section 32 buy out bonds and executive pension plans on the same administration and investment platform. 

Expert Financial Solutions Ltd Chartered Financial Planners and independent financial advisers in Witney, near Oxford, Oxfordshire offer advice on the suitability of Wrap accounts and can establish and administer a Wrap account for you. We offer advice on investment and wealth management, asset allocation, income generation in retirement, pension transfer advice and pension income options advice. 

Our highly qualified and professional financial planners are investment experts and have the high level qualifications including AF4 advanced diploma in investment planning.

September 2009