Our services
As a firm of Chartered Financial Planners, our focus is on financial planning.
We consider your objectives, needs and aspirations alongside your financial and personal circumstances, and use this information to construct a financial plan.
Using our cash flow planning software, we analyse your assets, investments, debts, income and expenditure to give you a detailed forecast of how your wealth might change over your lifetime.
We help you plan and adapt to real-life events, before, during and after they happen. It’s interactive and collaborative, meaning we can work together to help you make smarter, more tangible financial decisions.
Cashflow planning
Whatever financial questions you may have, our cash flow planning software can help.
We run multiple ‘what if’ scenarios to demonstrate to you how the decisions you make now will impact your financial future, enabling us to create an accurate financial framework that should be regularly reviewed with us as your life changes.
Our role is to design and monitor a strategy to meet your objectives as tax efficiently as possible. As a result of this strategy, there is often a requirement for investment management, alongside tax planning and income management.
Investments are managed using various strategies to meet different financial goals, with portfolios being developed with the help of established research partners.
PR&W is responsible for providing investment advice, while the fund research and management of the portfolios is undertaken in association with the research partners. These partners bring a wealth of experience including strong teams of analysts and portfolio managers, and a broad range of investment management resources.
We always ensure there is a selection of investment portfolios available that cater to the varying requirements of our clients.
We have been clients of PR&W since its inception. In my estimation, David and Peter have formed a formidable partnership, surrounded with very formidable and capable staff. I believe that PR&W represent a very safe pair of hands. I am happy and confident to recommend PR&W.
Peter Ruddy has magnificently managed not only my investments but those of my family and friends. I can’t recommend Penney, Ruddy and Winter and their amazing, helpful employees more highly.
Peter and David advise all the family. Regular meetings are always informative and clear. I have no hesitation in recommending PR&W to anyone who is looking for a first class service from an IFA. I doubt that you will find better.
I was introduced to PR&W while living in Australia. My requirements were quite detailed and complicated by having assets in several jurisdictions. Within 12 months of returning, our family’s financial affairs had been satisfactorily addressed and in good administrative hands.
As it is nearly five years since Sheila and I placed our investments into the hands of PR&W we want you to know how pleased and impressed we have been with the service and advice we have received both from you Peter and all at head office.
I have been working with Peter Ruddy for many years. To me, PR&W are more than financial planners, they go above and beyond that to make every client feel important no matter how much you are investing. I would highly recommend Penney, Ruddy and Winter to handle your finances.
The level of expertise, professionalism and care that you and your staff at PR&W have provided has been of the highest level. Whenever we have sought to invest or to move investments you have provided detailed options for us to consider and after that consideration you have implemented our wishes.
We offer all new clients an initial meeting which is at our expense and without any obligation. This would typically take place in our offices in the City of London.
We charge fixed fees for our initial advice, which will be determined by the complexity of the situation and the level of service you require. We charge a fee for the advice, which would be payable whether or not you proceed with the recommendation, and a separate implementation fee, if you decide to proceed.
We typically charge an ongoing fee equal to 0.75% per annum of the value of the portfolio. For example, if you invest £400,000, the ongoing fee will be £3,000 per annum. Because the fee is percentage-based, as the portfolio size increases, so will the fee payable.
In addition to our ongoing fees, there will also be fees payable for investment management and financial products, such as platform costs.
If you would like more detailed information about our terms, please refer to our terms of business.
Where you have a complaint or dispute with us, and we are unable to resolve this to your satisfaction, then you have the right to refer your complaint to the Financial Ombudsman Service to help to resolve this. Please see the following link for further details: http://financial-ombudsman.org.uk or call them on 0800 0234567 .