The Proposition
Markets – all bases covered
Whether you are advising on protection, savings, investments, pensions, mortgages or general insurance, all your needs can be catered for at First Class Financial.
Pensions and investments – a thoroughly professional approach
One of the reasons why first Class Financial has chosen to partner with Quilter is because it gives our advisers access to one of the best and most established propositions available in the market place today with a wide range of products and providers – quality is the key and the providers and the products they offer are continually reviewed and updated. And with platforms having an important part to play in today’s investment advice process, our advisers can benefit from discounted terms negotiated with the leading players to offer lower cost platform access than is available anywhere else in the market.
Similarly, there is a fund matrix in place which is also regularly reviewed, extended and updated; this covers all possible fund management approaches to suit individual client needs and circumstances. These funds are selected by an Investment Committee with access to independent research and expert analysts – so you can be sure that only the best and most suitable funds are included.
And where a client needs to be advised on an independent basis, you can use the Defaqto research tool to support the recommendations made.
Assessing clients’ attitude to risk, their capacity to take risk and their need to take risk is fundamental to the investment advice process. So you need to have the tools to do the job. All our advisers have access to the Quilter on-line risk profiling tool based on a stochastic modelling approach that has been developed in conjunction with Barrie and Hibbert.
Protection – an important part of the mix
Whether you are selling protection business (life assurance/critical illness cover/income protection) as part of a general financial planning exercise or specifically in connection with a mortgage, you want to be sure that your clients have access to the best products from the leading providers whilst also ensuring that the best commission rates apply. As a First Class Financial member you can be sure of both. And if you want to set up as an adviser specialising solely in protection business, that’s fine with us.
Mortgages – nobody does it better
As part of Quilter, you will belong to an organisation that is serious about mortgages with over £4billion per annum of lending. This powerful position is fully exploited to obtain the best possible terms from lenders. The basic concept is very simple – it’s all about using that large distributor muscle to gain the maximum benefits for the members including:
- Improved service levels from lenders.
- More special deals and exclusives.
- Higher proc fees.
- Customised TriGold software.