Client Proposition Documents

Our Client Proposition Document explains this process and provides an indicative guide to fees and charges.  

 
This document explains more about the services we offer with Pensions & Investments and what these will cost. It also explains about the process we follow and the ongoing service levels.
This document explains more about the services we offer with Mortgages and Insurance (Protection) and how we are paid.
Our privacy statement tells you how Openwork and your Adviser use the information you give us and how we protect your privacy. It also explains your rights under the General Data Protection Regulations.

Statement of Professional Standing (SPS)

The FCA requires that all retail investment advisers hold a Statement of Professional Standing (SPS). This must be renewed every year.

An SPS can only be issued by an FCA appointed accredited body, such as the CII, and confirms that an adviser:
 
  • Has adhered to a code of ethical standards
  • Holds the required qualifications for the activities they undertake; and
  • Has completed appropriate CPD and complied with APER (Statements of Principle and Code of Practice for Approved Persons)

 

Richard's SPS is attached and this can be verified at www.fca.org.uk/register searching the FCA individual reference number RJH01404
James' SPS is attached and this can be verified at www.fca.org.uk/register searching the FCA individual reference number JSH01108

Client Newsletters

The Winter 2019 edition of our quarterly newsletter
The Autumn 2018 edition of our quarterly newsletter.
The Summer 2018 version of our quarterly newsletter.

Investor Update

Investor updates and market commentaries 

 
These key points from the Autumn Budget are provided strictly for information only. Always seek professional financial advice before acting. The value of investments and any income from them can go down as well as up and you may not get back the original amount invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Reference Documents

Other useful guides and information

 

 
Our service is built around comprehensive financial planning and sound investment principles. By exploring your goals and objectives we can tailor a financial strategy specific to your needs using the products and services of a carefully selected range of companies that share our high standards. (01/2018)
A list of our current mortgage product providers.
For information only. Always seek professional advice before acting. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

We use the latest software, our professional acumen and our years of experience to provide trusted advice.

We just think of it as doing our professional utmost to exceed the standard of service you should expect, treating you in the way we’d like to be treated ourselves.

And we don’t believe in keeping you waiting all year to find out how your portfolio is doing, either. Instead, we give you online access, which lets you see an instant snapshot of your financial position on your phone, computer or smart TV, wherever you are and whenever you like.

UK News

Theresa May is seeking "further clarification" to satisfy MPs after "robust" exchange with EU chief.
Britons will not need a visa but will have to apply for a travel document, which lasts for three years.
Councils will have to offer separate food caddies in a bid to combat methane emissions.
The 33-year-old was arrested as part of an ongoing investigation by counter-terror police.
The girls, who cannot be identified for legal reasons, were sexually assaulted at gunpoint.