These are the services we can offer you for an ongoing annual fee. These services entitle you to a personal, fully qualified financial adviser. We believe that it is vital to ensure that you review your financial stance regularly. With our agreement with yourself, your adviser will be able to advise you on all your financial requirements.
At Virtue Money, we offer three services under our on-going services
Virtue Lite is our ongoing administration service. This service is paid through an annual fee and most suitable for those who seek financial advice but feel as though they are content with not having an ongoing assessment of suitability on their original advice. This service includes access to a personal financial adviser that you can contact when you require advice about your financial stance via phone, Skype and email. You will also receive an annual postal review of your portfolio, showing you your funds under management.
Virtue Deluxe is our most popular service. This service provides you with your own financial adviser, who will make annual meetings with you to review your plan. Your plan will automatically be reviewed daily, meaning if your investments should ever be affected by legislation or changes in the market place, you can find comfort of knowing that your adviser will be on top of the situation and able to advise you accordingly. We will also provide you with annual portfolio reviews, which will be sent directly to your home address. Furthermore, you will have access to contact your adviser via phone, Skype and email should you have any questions or queries.
Under our Bespoke service, we provide all the same services as our Virtue Deluxe service, however we provide a more regulated service. The difference with this service is that we provide you with biannual portfolio reports instead of annually. Meaning you have a far more regular update of your financial plan. We also provide you with Cashflow planning with this service, allowing you to clearly see your financial plan all mapped out. We do this by inputting detailed information supplied by you into our software system and can build in various “what if” scenarios; like what if the children go to university, what if we pay off the mortgage early, what if we want to go on that once in a lifetime holiday, to identify a course of action needed to ensure that your financial future is structured to cater to you.
When you considering receiving financial advice it may seem like a complicated and stressful task. However, Virtue Money ensures to make the process smooth and as easy for you as possible.
We have created a step-by-step guide to help explain to you what to expect during your first meeting with one of our advisers as well as some tips for you to consider.
If you have any further questions or would like to speak to one of our Financial Advisers, please use our online form and we’ll get back to you as soon as possible.
If you wish to register a complaint or have any Data Protection queries, please write to or telephone Diane Kennedy, telephone number 0345 034 3424. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
For all information regarding our disclaimer please click here.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. Virtue Money cannot be held accountable for any content on external links located on this website.
© 2019 Virtue Money | Virtue Money is a trading style of Policy Services Limited. Registered Office – Priorsford, 75 Grahamsdyke Road, Bo’ness, EH51 9DZ. Policy Services Limited is entered on the Financial Services Register https://register.fca.org.uk/ under the reference 214036, Scotland No. SC230167. Policy Services Limited is authorised and regulated by the Financial Conduct Authority. FCA No. 214036.
VAT Registration Number: 154 4463 12
THE PURPOSE OF THE LIFE STAGES SECTION WITHIN THIS WEBSITE IS TO PROVIDE TECHNICAL AND GENERIC GUIDANCE AND SHOULD NOT BE INTERPRETED AS A PERSONAL RECOMMENDATION OR ADVICE.
A PENSION IS A LONG-TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN, WHICH WOULD HAVE AN IMPACT ON THE LEVEL OF PENSION BENEFITS AVAILABLE.
YOUR PENSION INCOME COULD ALSO BE AFFECTED BY INTEREST RATES AT THE TIME YOU TAKE YOUR BENEFITS.
THE TAX IMPLICATIONS OF PENSION WITHDRAWALS WILL BE BASED ON YOUR INDIVIDUAL CIRCUMSTANCES, TAX LEGISLATION AND REGULATION, WHICH ARE SUBJECT TO CHANGE IN THE FUTURE.
INFORMATION IS BASED UPON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM, TAXATION ARE SUBJECT TO CHANGE.
THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE.
ESTATE PLANNING, TRUST PLANNING, TAX PLANNING AND WILL WRITING ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
For any complaints or Data Protection queries please contact: email@example.com 0345 450 7806 Extension: 801