Sandy Reid

Adviser Disclaimer

Finura is a firm of financial planners and an Appointed Representative of Evolution Wealth Network Limited, which combines regulatory, compliance and technology expertise. Evolution Wealth Network Limited is authorised and regulated by the Financial Conduct Authority. Their registration number is 591218 and a full list of Appointed Representatives can be found on the FCA register. The firm is authorised to advise on and arrange Life Assurance, Pensions, Investments, and General Insurance and Mortgages (covered by a separate agreement). We are bound by the rules of the FCA. Evolution Wealth Network Limited is part of Benchmark Capital Limited, which is part-owned by Schroders plc. In the interest of disclosure, the companies that fall under Benchmark Capital Limited include Fusion Wealth Platform and Fusion Funds, which may feature in recommendations made to you. Additionally, as Benchmark Capital is associated with Schroders, you may receive advice recommendations for funds that are managed by Schroders (including Cazenove Capital Management). For clarity, the use of Fusion Wealth, Fusion Funds, Schroders or Cazenove funds is not mandated and would only be used where it is a suitable solution to your financial objectives. All recommendations are made for the best interest of our clients, not the business, and Benchmark Capital Group aims to create cost-effective solutions and efficiencies which can benefit both clients and our members. A board of directors have been appointed to maintain oversight and control of the companies within Benchmark Capital, and procedures are in place to monitor and safeguard our clients’ best interests. We also maintain professional indemnity insurance. Finura offers whole of market advice across protection, mortgages, Venture Capital Trusts, Enterprise Investment Schemes and Inheritance Tax planning solutions. For investment our house view is that client asset is often best managed by dedicated investment teams under a discretionary mandate. Using our experience, we have created our own Centralised Investment Proposition (CIP) that is managed in conjunction with Schroders. For quality and efficiency purposes we choose to restrict running client discretionary permissions on the Fusion Wealth & Parmenion platforms. This is likewise because we consider them to be market leading in their functionality. If this CIP or Fusion and/or Parmenion are not suitable for your particular need then we will always perform due diligence on all available marketplace products to ensure clients receive the best possible solution for their needs. We offer a variety of advice options including: • Full Advice (Full financial review based on the permitted areas of the market we can operate in) • Focused Advice (Review based on limited aspects of financial planning only at your request) • Execution only (Implementation of one-off transactions instructed by you) The benefit of a full advice agreement is that we can consider how all aspects of your portfolio may overlap or interact with one another. This may include your pension, estate planning, your mortgage, insurance protection, taxation and trusts. By combining certain aspects of your investments, we can formulate the most tax-efficient strategy possible. We will confirm which of these advice options will be provided prior to your agreement to proceed. Where you have opted Focused Advice we will provide information about the types of product and areas of advice that we will consider for our recommendation.