Independent Financial Planning
CLIENT
ENGAGEMENT
& SERVICES DOCUMENT
A plain‑English guide to how we will work together — what to expect, what it costs and the peace of mind you will get every step of the way
The purpose of
the document is:
- To provide information about our business and services so you know what to expect when working with us.
- To give reassurance about how we are regulated and what security and peace of mind you can expect to receive during our relationship.
- To form the basis of the agreement between us when working together.
We aim to do this by
helping you understand:
- More about us
- The areas of advice we can help you with
- Our processes for working with you
- The range of solutions we can consider when delivering our advice
- The value we add now and in the future
- The security and protection you will benefit from during the process
Table of
Contents
Everything you need to know about our services and how we help you achieve your financial goals.
About
us
Karen Huish
Founder, and Financial Adviser
At A New View Financial Planning, we provide independent, personalised financial advice designed to help you plan, grow and protect your finances with confidence. Our approach is built around you — taking the time to understand your goals, your priorities, and what truly matters most in your life.
We simplify complex financial decisions, offering clear, unbiased guidance tailored to your individual needs. As independent advisers, we work across the whole of the market to find solutions that are genuinely in your best interests. As your circumstances evolve, we remain by your side with ongoing support, ensuring your financial plan continues to reflect your life and ambitions.
For us, financial planning goes far beyond numbers. It is about people, families and futures. We are committed to guiding you with clarity, care and integrity — values that underpin every relationship we build and define everything we do at A New View.
A New View Financial Planning Ltd is an Appointed Representative of New Leaf Distribution Ltd, which is authorised and regulated by the Financial Conduct Authority. The firm registration number is 1059184
About our
principal
firm
Our firm is supervised by New Leaf Distribution Ltd. Together we adhere to the principles for business set out by our regulator the Financial Conduct Authority. The Regulator expects that we act with integrity; operate with due skill, care and diligence and build trust with our clients by putting their interests first.
New Leaf Distribution Ltd is authorised and regulated by the Financial Conduct Authority. The firm registration number is 460421.
You can find information relating to our firm on the Financial Services register, accessible online via www.fca.org.uk.
New Leaf provides a high level of ongoing training to ensure that any individual you deal with maintains their skills and knowledge to the highest level. The training is accredited by the National Skills Academy for Financial Services and the London Institute of Banking & Finance.
New Leaf also have a keen commitment to charitable causes. Their “Streets of Success” programme helps purchase vital equipment for hospitals and provided support to the homeless in various cities throughout the UK.
What is
financial planning?
A professional service for individuals, families and businesses, helping you organise and optimise your financial affairs to achieve your goals and life ambitions. Our Financial Planning service adds value at every stage of life.
WE WILL ASSIST CLIENTS TO:
INCREASE FINANCIAL AWARENESS
Build an achievable financial plan
Invest effectively
Fund future expenditure
Maximise tax efficiency
Navigate complex financial situations
Invest business assets
Build up a retirement pot
Generate regular income from capital
Use pension or investments to retire
Plan for the next generation
Protect loved ones financially
Our proven process
to deliver advice
Our four-step journey is built around you — designed to bring clarity, confidence and a new view of your life plan.
INITIAL CALL
A chance for us to get to know each other, talk about what’s on your mind and what you would like life to look like ahead. We explain how we can help and you can assess whether working with us feels right for you. This is free of charge and there is no obligation to proceed.
DISCOVERY MEETING
We go deeper — gathering the details that matter: your life goals, attitude to risk and your current financial position (savings, investments, debts, pensions). Using cashflow forecasting, we build a full picture of where you are now versus where you need to be.
BUILDING & IMPLEMENTING YOUR PLAN
Our technical team researches the whole of market to build your optimum plan. Every recommendation is bespoke. Once agreed, we handle the execution — dealing with providers, managing paperwork and moving the plan from document to working reality.
ONGOING SUPPORT
Financial planning isn’t a one-off event. Life changes, priorities shift and plans need to evolve. Our partnership includes regular reviews, proactive portfolio oversight and unlimited access — keeping every decision aligned with your goals.
We provide independent advice. Being independent means that our recommendations are always based on having completed a comprehensive and fair analysis of that market.
We’ll consider a broad range of different providers of financial products from a fully researched offering that is representative of the whole of the market available to independent financial advisers. We review this proposition on a regular basis using factors such as the features available, service levels, risks, costs, complexity and their competitiveness in the market place.
Subject to your individual needs and objectives, We may also recommend that you hold your investments and/or pensions in one place via a Platform Service.
When we arrange an investment for you it will typically be made into a multi-asset fund or managed portfolio service. These funds and portfolios have a range of different investment strategies. We will only recommend those that align with your attitude to risk, your personal investment objectives, and the period of time you wish to invest for.
We may also recommend that some or all of your investments and/or pensions are managed by a Discretionary Fund Manager (DFM).
If you already have arrangements in place we will first conduct an analysis of what you have. This will help us to advise you on how likely you may be to achieve your long-term goals in your current position. If we feel that they are suitable We may recommend that these are retained. However, should we find clear indicators that your interests will be better served elsewhere We may recommend that you take action.
Your peace of mind
We subscribe to, and abide by, a number of laws and regulations that exist for your protection, confidentiality and security.
The Financial Conduct Authority (FCA)
Our regulator — setting the standards we work to and overseeing our conduct.
The Financial Services Compensation Scheme (FSCS)
For your financial security — the UK’s statutory compensation scheme if a regulated firm fails.
The General Data Protection Regulation (GDPR)
For the protection of your data — overseen in the UK by the Information Commissioner’s Office.
The Financial Ombudsman Service (FOS)
An independent and impartial body to help resolve complaints between financial businesses and their customers.
When working with you we will:
- Be open, honest and transparent in our dealings with you
- Communicate clearly, promptly and without jargon
- Seek your views and perception of our dealings with you to ensure they meet your expectations or to identify any improvements required
Adding &
delivering value
We have considered where the value of our advice might best be demonstrated below.
Initial advice
We believe the real value in working with us is realised during the long-term journey of Financial Planning. Successful planning involves ongoing monitoring and regular review of your circumstances and financial situation. With this information we can recommend adaptions and changes to keep you on track to meet your goals.
Ongoing services
Initial costs
for our services
We operate a simple, transparent charging model which takes into account the value of the investments we are advising you on.
Limits
So that we can properly resource our business, which in turn ensures we can continually provide services to our clients, any initial work done on your behalf is subject to a minimum charge of £750. In practice this means that any investable amount under £75,000 will be charged at this rate. Our maximum charge is £10,000.
Examples of initial costs
A monthly amount of £350 to both Pensions & ISAs.
The cost for advice is calculated as follows:
This work falls under our minimum fee of £750.
A £400,000 investment.
The full amount is charged at the first tier rate of 1%
£400,000 @ 1% = £4,000
A portfolio of £790,000.
The first £500,000 @ 1% = £5,000
The remaining £290,000 @ 0.5% = £1,450
Total = £6,450 which is equivalent to 0.82%
ANNUAL ONGOING
SERVICES & COSTS
We believe the real value in working with us is realised during the long-term journey of Financial Planning. Successful planning involves ongoing monitoring and regular review of your circumstances and financial situation. With this information we can recommend adaptations and changes to keep you on track to meet your goals.
Our ongoing fee structure is simple and transparent.
We charge 0.85% of the value of the funds managed per year for ongoing advice and coaching — helping you stay accountable, make confident decisions and avoid drifting off track as life evolves.
EXAMPLES OF ONGOING COSTS
A PORTFOLIO OF £30,000.
£30,000 @ 0.85% = £255
This falls under our minimum fee of £350 per year.
A PORTFOLIO OF £250,000.
£250,000 @ 0.85% = £2,125 per year.
A PORTFOLIO OF £790,000.
£790,000 @ 0.85% = £6,715 per year.
There are no exit charges
What your ongoing
service includes
Everything listed below is included in your ongoing advice fee. There are no hidden extras or additional charges for these services.
Ongoing advice fee
0.85%
of funds managed per year
Minimum
£350
per year
Maximum
£10,000
per year
You may ask us to undertake other work not directly linked to a particular investment. For this we will agree a fee with you, before we undertake this work.
There are no exit charges
Our insurance
services
To help protect your financial plans against insurable events we will advise and make a product recommendation based on your needs for the following areas:
For these areas we offer products from the whole of the market based on a fair and personal analysis of the market.
How to pay for our services
You will receive full details on what the total costs are, the advice or service it relates to, how they have been calculated and when they are due to be paid.
PAYING US DIRECTLY
We will agree with you a suitable payment method, typically by cheque or bank transfer.
PAYING VIA THE PROVIDER
If you decide to follow our recommendation and invest, you may authorise the provider to deduct our fee for advice from your investment. You may also pay any ongoing service charges from your investment.
VIA COMMISSION
If we arrange an insurance policy on your behalf, we will receive commission from the insurance company selected. This will be clearly disclosed to you on a document known as an illustration.
What to do if you are unhappy
If you wish to register a complaint, please contact us:
In writing to: New Leaf Distribution Ltd, Complaints Department, 165-167 High Street, Rayleigh, Essex, SS6 7QA. Or by phone on 01702 431130 or by email at complaints@newleafgroup.co.uk
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service by email at complaint.info@financial-ombudsman.org.uk or by phone on 0800 023 4567 or 0300 123 9 123.
Other important
information
A summary of further terms that apply to our relationship. Full details are available on request.
CLIENT CATEGORISATION
For regulated purposes you will be classed as a retail client which offers you the highest level of protection under the regulatory rules. If you are not categorised as a retail client, we will make you aware of this before continuing.
DISCRETIONARY FUND MANAGEMENT
Where we recommend the use of a discretionary fund manager (DFM), we will, acting as your agent, arrange for the investment management to be carried out by the DFM. By signing this Agreement you are confirming to us that you agree that we can act as your agent to appoint the DFM and be bound by the terms of the DFM agreement.
ANTI MONEY LAUNDERING
We are required by the anti-money laundering regulations to verify the identity of our clients and to ensure the information We hold is up to date. We may use electronic identity verification and may conduct these checks throughout our relationship.
VAT
We provide an intermediation service which normally means no VAT is payable, but there may be times when it is and we will advise you of this.
CLIENT MONEY
We do not handle client money. Where we have recommended an investment, cheques or payments will be made to the relevant provider directly.
Your privacy
Full information about how We process your data and our approach to marketing can be viewed online at www.newleafdistribution.co.uk/privacy. A brochure version of the privacy notice is also available on request.
CONSENT TO GATHER SPECIAL CATEGORY DATA
It might be necessary for us to collect more sensitive information (such as health or lifestyle information) to allow us to provide our services to you.
ELECTRONIC MARKETING
We may want to send you relevant marketing information about products or services that we feel may benefit you in connection with our advice.
Client agreement
This “Client Engagement and Services Agreement” explains the basis under which We will supply our services to you. We refer to this document as the “Agreement” between us. For your benefit and protection please read this Agreement carefully and ask for clarification if you do not understand anything.
- This Agreement supersedes all previous written agreements between us in respect of the agreed Services and may not be modified except in writing and signed by both parties.
- This Agreement is governed and construed in accordance with the laws of England and Wales.
- You agree to appoint us for the purpose(s) of; advising, arranging and bringing about contracts in Investments, Savings and Pensions.
- We will confirm our advice in writing to you to confirm we have correctly understood your personal circumstances and the information you have provided to us. It is very important that you provide all material information and that it is true and correct to the best of your knowledge.
- If you do not understand any point please ask for further information before signing. Please retain a copy of this Agreement for your records.
- This Agreement will come into effect from the date you sign this Agreement and continue until terminated by either party by giving notice in writing.
- You accept responsibility to pay our Fees and any agreed costs and agree to reimburse us for all reasonable losses, costs, or other liabilities incurred by us which result from any wilful or negligent breach by you of your obligations in this Agreement.
By signing this Agreement you are confirming to us that you agree to all the terms and conditions in this Agreement.
Signature:
Name:
Date:
Signature:
Name:
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Fee agreement
By signing this Agreement you are confirming to us that you agree to all the terms and conditions in this Agreement.
Signature:
Name:
Date:
Signature:
Name:
Date: