Yes. This means we can consider and recommend all types of retail investment products that could meet your needs and objectives.Independent advisers will also consider products from all firms across the market, and have to give unbiased and unrestricted advice.

We are based in Wadebridge. We think it is best if we visit you to give advice because we think people are more confident when they are important financial decisions in their own surroundings. It also means that you have any documents we might need to look at close at hand. This is at no extra cost to you (except you might end up making the tea)

We can still give advice during the epidemic. But we will not be able to visit you at home. We are relying on telephones and secure internet connections that we set up to talk to you.

Yes, at any point you want to change your adviser you just need to notify the provider. A new adviser will do this for you.

There are two costs to be aware of, the Arghans advice fee, and investment costs. Arghans charges 3% of your investment for the first £50,000 and then 0.5% thereafter. Most investments do not have an initial cost, although some do, especially when dealing with Inheritance Tax.

Yes, the minimum fee is £500. This means that you need to consider carefully if investment advice is suitable for a small investment.

Arghans charges a simple annual fee of 0.5% of the value of your investments, this is taken directly from the provider on a monthly basis. You must also be aware of investment costs. This is made up of provider costs, the fee paid to platforms or insurance companies, and the cost of the investment, taken at source by the fund manager. There is a wide spread of investment fees. There is also a big difference between 'Active' management fees, where a manager looks after the funds, and 'passive' which follow an index and are low cost. Arghans does not have a preference between Active and Passive management, but will invest in active managment when it sees a long term advantage to these higher costs. We use passive where we can not see any advantages.

It is difficult to compare fees with other advisers, as very few advisers make their fee schedules freely available (they will all detail the costs before you agree to go ahead). Arghans fees are competitive. A comparison is available at Vouchedfor.com. They rate Arghan's fees as 'Highly competitive'.

No. We will meet you first, and discuss what your goals are, and whether we can help. It lets us get to know each other first. There is no charge for this service. Afterwards you will know if you want to proceed, and how much the fees will be.

Currently, there’s no limit on how much you can pay into your pension, however you won’t receive tax relief on anything over £40,000 or 100% of your salary, whichever is lower. The £40,000 limit includes all payments, including the government top up and employer contributions – so it is actually £32,000 of your contributions, plus £8,000 tax relief. If you go over this limit you won’t receive tax relief and will have to pay an annual allowance charge which will be added to the rest of your yearly taxable income. If your income is less than £3,600 a year, you will only be able to contribute up to £2,880

You can access your pension when you turn 55 and are able to withdraw 25% of the total amount tax-free. However, you do not have to take the remainder of pension then. If you’re still working for example, you can leave the money in your pension – and continue to contribute – until you retire.

Have a look at the section 'Taking your Pension' on our pension page.

The 25% top up to your pension contributions is paid by HMRC to the pension provider.. So, if you pay in £800, the government adds another £200, making the total £1000. If you are a higher tax rate payer, you may be entitled to more, in which case you will need to contact HRMC to be able to access higher rate tax relief, this will need to be submitted on your annual tax return.

This is explained here.

This question has three considerations, how much I want to spend, how much income can I create and how long will I need it for. We will complete a detailed analysis of your your income and expenditure when you retire, and complete a 'cash flow' analysis to show how long the funds will last, and how much 'capacity for loss' you have. We try to ensure your everyday expenditure is covered by guaranteed income, from your state, final salary or annuities. When this is complete you will know if you have enough money for your retirement, or whether you need to change your spending plans.

If you die before 75 anything remaining in your drawdown fund is passed on to your beneficiary as a tax-free lump sum, or they can continue to receive the income tax-free through drawdown. These payments must begin to be made within two years, or they become taxable at the beneficiary's highest rate. If you die aged 75 or above anything passed on or remaining in your drawdown fund will be taxed at the beneficiary's highest tax rate if taken as an income or lump sum.

Arghans will set up a Financial Portal where you can view your investments 27/7 on a computer, tablet or phone. Most providers we deal with have a direct link to Arghans so what you see will be a real time valuation.

Investors can transfer an ISA from one provider to another at any time. For those wanting to transfer money invested in an ISA during the current tax year, they must transfer all of it. For money invested in previous tax years, investors can choose to transfer all or part of their savings. Points to be aware of? Not all ISA providers will allow part transfers - check with the provider. It’s possible to transfer Lifetime ISAs to other types of ISAs - these transfers are treated as a withdrawal from the Lifetime ISA and are subject to a withdrawal charge unless: The transfer happens after the investor’s 60th birthday The investor has declared that they have a terminal illness

Where an investor dies after 5 April 2018, any ISA held will be designated a 'continuing account of a deceased investor' and will remain so until the earlier of The completion of the administration of the deceased’s estate. The closure of the account. The third anniversary of the death of the account investor. Funds held within the account continue to benefit from ISA tax advantages and therefore personal representatives and beneficiaries do not face income tax or capital gains tax liabilities on investments retained in an ISA during the administration of the deceased’s estate.

APSs are available on top of the annual subscription limit to the surviving spouse/civil partner of a deceased ISA holder. The deceased and the surviving spouse must have been ‘living together’ at the date of death.

You should inform the ISA provider as soon as UK tax resident status ceases. ISAs can be retained, but eligibility to further subscribe requires the investor to be UK resident (unless the overseas Crown employee rules apply). Crown employees serving overseas (typically serving members of the armed forces and diplomats), or people married to or in a civil partnership with a Crown employee serving overseas, can open and subscribe to an ISA in the usual way. Those who become tax resident in another country should remember that the tax advantages of an ISA apply only to UK tax. As there could be a tax liability in the country of residence, appropriate advice should be taken.

ISAs do not shield you from inheritance tax, they form part of your estate. ISAs are free of income tax and capital gains tax during the holder’s lifetime ISAs are free of income tax and capital gains tax during the administration of the deceased’s estate (subject to time limits) ISAs will be subject to inheritance tax unless left to a surviving spouse or civil partner A surviving spouse will acquire equivalent ISA allowances to the value of your ISAs at the date of your death (the Additional Permitted Subscription) In 2013 the government allowed AIM (Alternative Investment Market) shares to be included in ISAs. These shares benefit from 'Business Property Relief', which means if they are held for 2 years prior to death they are free of any IHT. AIM shares are generally considered to be far riskier than shares quoted on recognised stock exchanges.