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The Chatsworth Practice Ltd is an appointed representative of Sanlam Partnerships Limited which is authorised and regulated by the Financial Conduct Authority under number 563682.
The Chatsworth Practice Ltd is registered in England and Wales registered number 05974782. Registered office 6th Floor, Dean Park House, Dean Park Crescent, Bournemouth, BH1 1HP
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Keith is a founding member of The Chatsworth Practice, specialising in client relationship management. He is our mortgage specialist, helping clients ensure their mortgage and insurance application process is successful and trouble free.
Cordelia is our Practice Manager. She provides client relationship management. Her role includes marketing, research, preparing client review documentation and assisting in client meetings. She is currently training to become a Financial Adviser.
We work with a range of clients from a diverse range of backgrounds. Our clients include, professionals, company directors, medical professionals and retired people.
What all our clients have in common is the need for a professional relationship with someone to help them plan for their futures.
Each client’s situation and requirements are unique, and the plan we create for them bespoke to them. However, to help you understand the ways in which we help clients, please read the case studies below. These case studies refer to actual clients who we have worked with in recent years.
The existing investments were spread between arrange of providers. We obtained up to date valuations and full details of existing investments including date and cost of acquisition, performance and tax wrapper used.
Investments were reviewed six monthly to help to ensure they were performing to best advantage. Reliefs and allowances were utilized.
An existing client approached me for a pension and investment review. After leaving his job as a company director, he had recently become self employed. He had accumulated a number of pensions over his working life together with ISA investments with various banks. He had recently received a lump sum of £110K from the sale of share options. His priorities were to maximise return from pensions and investments and consolidate them into one place to make them more manageable.
We consolidated all pensions and investments on a single provider’s platform. This enabled the client to easily manage his investments in one place, giving access to over 1000 funds, and a competitive charging structure.
We arranged six monthly reviews to ensure funds are performing well and in keeping with clients attitude to risk. Reviews include utilizing annual ISA allowances and making additional pension contributions.
We were approached followed an existing client recommendation to discuss funding options. Clients’ main priority was to invest profits from his trading business in property to give him financial independence from his business.
We established the clients’ existing liabilities and businesses to establish the amount of capital that could be used to fund property deposits. We discussed whether investing in buy to let properties would be in keeping with the clients’ attitude to risk.
We recommended a portfolio buy to let product, allowing the client to borrow money on a number of properties from a single lender. This resulted in a simpler application process and allowed the client to have a single ongoing relationship. It also allowed him to build up a capital reserve which could be drawn down easily in the future.
We applied to the lender for mortgages on several properties Provided interface between client and lender, which involved providing proof of income by way of accounts, together with helping arrange access via the estate agents for the valuers. We processed mortgage applications to offer.
The options available from the existing lender and the associated costs were established and compared with a full market analysis which confirmed the least expensive arrangement.
It was decided to recommend separate, supplementary life and critical illness policies to provide a lump sum which could be invested to produce added income until the elder child was aged twenty five.
The Chatsworth Practice Ltd
