We offer services based on a fee or commission basis or a combination of both, this can be agreed with each client.

If you choose to pay a fee, we charge fees for our professional services in three areas: advice, implementation and review. Any commission from arranging a recommended financial product belongs to you - the client – and you can decide to use part of it to pay our fees or rebate it to reduce future product charges.

If you choose the commission route, we have always given substantial discounts to our local clients from Rutland; due to the success of this we have extended this offer to all clients, wherever they are based.

In addition to being able to offer these discounts, our position as a well-established family firm with a personal service, means that you can avoid two of potential pitfalls of dealing with larger organisations:

Firstly we do not have a constant turnover of advisers.

Secondly your adviser has no need to chase sales and commission targets.

Our written reports and advice are explained in plain English, we try our best to avoid jargon.

Our team offers all the services of a good traditional IFA.
In addition we also offer specialist wealth management.

1. Traditional IFA

For many years we have looked after substantial sums of money for clients in Investments, Pension Funds and Family Trusts.

Here are some areas for advice:

Pensions and Retirement
Investments
Ethical and Green Investments and Pensions
Life and Critical Illness Cover
Advice to Limited Companies
Equity Release
Mortgages (Personal and Buy-to-Let Mortgages)
Commercial Loans
Inheritance Tax and Estate Planning

2. Specialist Wealth Management (UK based clients, also expats and worldwide clients)

The vast majority of wealthy individuals and their families in the UK have outgrown the services of the Traditional General IFA.

At First Light Investments we give advice to many private clients and our experience allows us to offer a specialist investment service; in addition we can introduce clients and companies to that broad range of coordinated advisory services which now form such a part of financial planning in our complex world.

As a result we cover many other aspects of financial planning and work in conjunction and partnership with a variety of specialist City Firms, Trust Companies, Accountants and Business and Legal Advisers to offer a comprehensive service to those with potentially more complicated affairs.

These can include:

Tax Mitigation Strategies for Private Clients and their Families (Inheritance Tax, Income Tax and Capital Gains Tax Strategies)

SIPP and SSAS Pensions
Discretionary Fund Managers
Wrap Accounts
Offshore Investments
Investments sourced from around the world
Family Trusts, Offshore and International Trusts and Foundations
Venture Capital Trusts
Business Protection
Business Tax Mitigation Strategies

We have over 14 years experience of handling the investment and trust affairs of clients resident both in the UK and as Expats elsewhere in the world.