Our ongoing due diligence

Behind the scenes

Within the Spectrum team, we have over 100 years’ experience of helping people with their money.

As independent financial planners, our responsibility is to our clients at all times.  Our ongoing due diligence is extremely important to us.  We have robust processes in place to ensure we always provide the best possible advice and service.

We aim to be clear and open about what we do “behind the scenes” to keep all aspects of our business under review and up to date.  We are committed to ensuring that we have a fully equipped toolkit to do this and that it is kept under regular scrutiny.

We have researched the whole market and chosen to work with a carefully selected range of industry leading, highly qualified external partners.  These partners add various elements of expertise to support and enhance what we do.  We take advantage of various sophisticated software systems, such as up to date research tools, to streamline and enhance many aspects of our business.

Spectrum Wealth Group
Paul & Nadeen

Our people

Our financial planners are fully qualified, beyond the minimum required standard.  They hold advanced financial planning and pension qualifications, and are committed to further learning and development.

As you should expect in any professional, our advisers take part in regular Continuing Professional Development.  A lot can change as time goes on: The marketplace, available products, legislation, regulation, budgets, allowances, tax rules and countless other factors.  We keep abreast of these changes to ensure that our service properly takes account of them, and that relevant changes are factored into our clients’ plans.

Our partners

For clients who entrust us to look after their money, we don’t underestimate the level of responsibility involved.  It’s of paramount importance that we make sure money is always held in the most appropriate places.  As such we have partnered with industry experts to develop a Centralised Investment Proposition and a Centralised Retirement Proposition.

Coupled with this, we have an Investment Committee which meets every two months.  Our committee includes an external partner who brings wide experience and has a background in fund management.

The Financial Conduct Authority does not regulate some aspects of Cashflow, Trust, Tax and Estate Planning.  The value of investments may go down as well as up and you may get back less than you invest.