CLIENT QUESTIONNAIRE

Transcription

1 Registered address and Correspondence address 18 Oxford Road E office@premierfm.co.uk Marlow T Buckinghamshire F SL7 2NL premierfm.co.uk CLIENT QUESTIONNAIRE This review has been prepared for By Premier Financial Management On Premier Financial Management Ltd is authorised and regulated by the Financial Conduct Authority Company no: registered in England & Wales

2 Personal Address Residential Status Contact Telephone Mobile Telephone Fax Gender Marital Status Date of Birth Place of Birth Job Title Employer Business Telephone N.I. Number UK Resident for Tax Domicile Former Name Classification Gender Marital Status Date of Birth Place of Birth Job Title Employer Business Telephone N.I. Number UK Resident for Tax Domicile

3 Dependants Full Name Relationship Date of Birth Start Year Years Fees Home Your home details Purchase Date Purchase Price Current Value Property Owner Your mortgage Have you got a mortgage Repayment Method Lender Amount Outstanding Original Term (years) Date Mortgage Acquired Mortgage Review Date Do you have any other debts? Buying a new home or re-mortgaging? Price being considered Deposit available Max. Mortgage Required Term Required (years) What type of mortgage would you prefer e.g. Fixed, discounted, offset?

4 Income Self Basic Annual Income Regular Overtime Bonus/Commission Car Allowance P11D Benefit Bank/B.Soc Interest Investment Income Trust Income Rental Income PHI Income State Benefits Maintenance Pension Income Tax Free Income Other Income Total Annual Income Tax Rate Tax Allowance Do you anticipate changes to your income? Salary Review Date Self Additional Notes

5 Income Requirements Lump Sum Annual Income Term (Years) Lump Sum Annual Income Term (Years) On Death On Disability, Sickness or redundancy On Retirement How much money do you need as an emergency fund? Are you making any provision for your longterm care?

6 Employment Details Main Employment Job Title Employment Status Salary Last Updated Length of time in Employment Business Details Name Address Telephone Fax Web Site Tax District Tax Reference Business Interests Owner Name & Address Acquired Share Holding (%) Original Cost Current Value Expenditure What is your estimated expenditure per month/annum? Total

7 Affordability What amount can you reasonably afford to invest? Per Month Per Month Lump Sum Lump Sum For how long can you make this investment? Years Years Funding source

8 Investments/Assets Main Residence Joint Total Bank Account Building Society National Savings Shares/Equities Loan Stocks & Gilts TESSA s ISA s PEP s Unit Trusts Investment Trusts Bonds Properties Personal Effects Business Interests Other Assets Other Investments

9 Employer Pension Schemes Retirement age Does your company operate a pension scheme? Are you now or will you become eligible to join? Have you joined or intend to join? From what date will you be eligible to join? Employer Sponsored Pensions Employers name Managers name Defined Benefit (Final Salary) or Defined Contribution Scheme? Retirement date Pensionable service start date Join date Gross contribution Death in Service Widow(ers) pension

10 Please list any other Employer Sponsored Schemes below: Scheme Started Approximate Value Notes Personal Pensions Life Assured/ Beneficiary (Trust) Policy No Policy Type Provider Contribution (Personal/ Employer) Started/ Retires Death Benefit & Other Benefits Escal n Life Assured/ Beneficiary (Trust) Policy No Policy Type Provider Current Value Waiver Contracted Out Paid Up Date Insurance Details Life Assured/ Beneficiary Policy No & Type Provider Sum Assured Or Benefits Premium Start Date Maturity Date

11 Additional Notes Health General state of health Smoker Per Day Per Day Alcohol Height Weight Medical Notes Units/ week Units/ week Involved in hazardous pastimes Notes

12 Estate Planning, Inheritance & Trusts Have you made a will? If Yes, what are the main provisions? On what date was it made Does it reflect your current wishes Where is the will kept? Are you expecting any inheritance of any kind? If yes, please give details Do you have a Lasting or Enduring Power of Attorney? Estate Planning & Inheritance - Lifetime Gift History Date To Whom/ By Whom Type Value Tax Description Notes

13 Estate Planning & Inheritance - Lifetime Gift History Date To Whom/ By Whom Type Value Tax Description Notes Estate Planning & Inheritance Connection with Trusts Name of Trust Owner Type Interest Settlement Date Entitlement (Assets/ Value) Terms

14 Financial Objectives General Objectives Description Priority Capital Gains Tax Have you used any part of your capital gains tax allowance? Have you realised capital gains (exceeding the allowance) or losses within the past three years? Do you have any significant unrealised capital gains or losses? Do you agree that capital gains may be taken in excess of your annual allowance? CGT Losses Brought Forward Notes

15 Attitude to Investment Risk Please note that there is no need to complete this section if you have also been provided with a Risk Tolerance Questionnaire. Attitude Cautious Moderately Cautious Moderate Moderately Adventurous Adventurous Explanation The Cautious investor prefers their wealth to be invested in the most riskaverse areas such as cash and fixed-income securities. This approach offers a high degree of stability and should minimize the chances of substantial short-term volatility. The overall return, while not guaranteed, should fall within a narrow range of possibilities. However, particularly for time periods greater than five years, these returns may underperform the returns achievable from a higher-risk approach and may also lose value in real terms owing to the effects of inflation. The Moderately Cautious investor prefers their wealth to be invested primarily in risk-averse areas such as cash and fixed-income securities with only a modest exposure to equities. This approach concentrates on stability rather than maximizing return and should limit the chances of substantial short-term volatility. The overall return, while not guaranteed, should fall within a relatively narrow range of possibilities. However, particularly for time periods greater than five years, these returns may underperform the returns achievable from a higher-risk approach. The Moderate investor is happy for their portfolio to include investment in equities, balanced by exposure to more risk-averse areas of the market such as cash, fixed-income securities, and real estate. This approach aims to achieve a balance between stability and return but is likely to involve at least some short-term volatility. The overall return is not guaranteed, although the range of possible outcomes should not be extreme. In most circumstances, particularly for time periods greater than five years, these returns should outperform the returns achievable from a more conservative approach but may underperform the returns achievable from a higher-risk approach. The Moderately Adventurous investor is comfortable for their portfolio to be invested primarily in equities. This approach concentrates on achieving a good overall return on your investment while avoiding the most speculative areas of the market. Significant short-term fluctuations in value can be expected. The eventual return for the time period over which you invest could fall within a relatively wide range of possibilities. In most circumstances, particularly for time periods greater than five years, these returns should outperform the returns achievable from a more conservative approach. The Adventurous investor is happy for their portfolio to be invested in equities and will include exposure to more speculative areas of the market. The aim is to maximise return while accepting the possibility of large shortterm fluctuations in value and even the possibility of longer-term losses. The eventual return for the time period over which you invest could fall within a wide range of possibilities. In most circumstances, the return should outperform the returns achievable from a more conservative approach. Attitude Owner Notes

16 Data Protection Act 1998 Information supplied may be stored on computer records and may be used for marketing and statistical purposes by members of the group of companies. Details may be passed to our regulatory authorities for the purposes of compliance. We like to take care to keep clients informed of only those products that may be of interest to them. Declaration PLEASE READ AND CHECK THIS ENTIRE FORM BEFORE SIGNING. *I/We confirm that the information given and recorded on this form is correct and understand that it shall form the basis for all advice offered. *I/We also confirm that the details given in the Pensions Schemes section regarding *my/our Company pension scheme are correct, and that *I/We have verified these with *my/our employer. Please tick this box to confirm that you consent to receiving recommendation reports from us via . (* Delete as applicable) I HAVE ALSO RECEIVED A TERMS OF BUSINESS LETTER AND A BUSINESS CARD FROM MY FINANCIAL ADVISER Signature Date Signature Date