Service Charter
Service Proposition
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Modern life is more complex than ever.
We’re living longer, careers are less linear, and the traditional model of education → work → retirement no longer fits the way most of us want to live.
So, what does freedom look like for you?
Maybe it’s about choosing when and how you work — or choosing not to work at all. Maybe it’s about creating more time for family and friends, travel, events, or the causes that matter to you. The truth is, real wealth is unique to you. And that’s why your financial plan should be as individual as your life. At Real Wealth, we believe financial advice shouldn’t just be about money — it should be about helping you design a life that’s truly yours.
Financial planning should start with one thing: you.
Real wealth isn’t about chasing numbers. It’s about creating a life that feels rich and fulfilling… however that looks for you.
We are a community of financial planners, focused on helping you understand and plan for your financial future. This document is aimed at providing you with an overview of our firm and to introduce our services to you in more detail, from which you may then select the service that best suits your needs. We will discuss this with you so that you fully understand what is offered, how it will benefit you, and how we charge for our services. Rest assured, we’ll always get your agreement before commencing any work for you. Should you have any questions, please ask us. More detailed information is available on our website at realwealth.co.uk.
This document provides details about our services to you , so it’s important that you read it fully.
Our Terms of Engagement document provides details about how we charge for our services. Please read these two documents in conjunction.
If there is something you don’t understand please ask us to explain it.
Service Proposition
The value of independent advice
We offer independent advice, which means we’re not tied to any providers and can consider a wide range of financial strategies and products to find what’s right for you.
We provide investment advice and are also authorised to advise on and arrange life assurance, pensions, and lending against a portfolio of assets (covered by a separate agreement). We are bound by the rules of the Financial Conduct Authority (FCA) in the United Kingdom.
When we provide protection planning services, we act as an insurance intermediary, offering advice based on a fair and personal analysis of the market. We are constantly reviewing what’s available to make sure the services and products we recommend remain suitable for our clients.
Any investment strategies or products we suggest will be tailored to your personal circumstances, financial goals, and objectives. We’ll look at a number of important factors, including:
- the services you need
- the cost of investing
- how much risk you’re comfortable taking
- and how much of a fall in value you could cope with if markets were to drop.
Our aim is always to help you make informed decisions that work for you—both now and in the future.
Services available for you
Life doesn’t come with a manual—and neither does financial planning. People come to us for many different reasons, which is why our first step is always to listen and understand what matters most to you.
At our first meeting, we’ll get to know you: your life, your goals, your worries, and your priorities. From there, we’ll help shape a plan that gives you clarity, confidence, and control over your financial future.
We offer a range of services to support you along the way:
Financial Planning
We help you define what you want from life and build a clear financial roadmap to help you get there—whether that’s growing your wealth, funding new adventures, or creating lasting security. We’ll help you make sure the future you’re working towards is one you can actually enjoy. Whether retirement is far off or just around the corner, we’ll help you plan with confidence and explore your options when the time comes.
Deaccumulation Advice
After years of building your wealth, as you step into retirement or consider winding down from full time work, your focus shifts to using it wisely. We help you turn your savings into a steady, tax-efficient income—so you can enjoy life without the fear of running out of money.
Protection Planning
Life doesn’t always go to plan. We’ll help you put the right protections in place to safeguard what matters—your family, your income, your business—so that you’re covered, whatever happens.
And because we believe in making life simpler, not harder, you’ll have everything securely stored in one convenient place—your personal online library—so you won’t have to sift through piles of paperwork. Your important documents, from financial plans to wills and insurance details, will be securely backed up, easy to access, and there for you (or your loved ones) whenever they’re needed.
Service Through Technology—A Digital-First Approach with a Human Touch
At Real Wealth, we believe that great financial advice starts with clear, timely, and accessible information. Traditionally, clients of financial services have been overwhelmed by excessive paperwork and fragmented communication—making it difficult to see the bigger picture. We’ve taken a different approach. By harnessing the power of cutting-edge technology, we’ve created a digital-first service model designed to deliver better client experiences, with real human advice always at the heart of what we do.
The Wealth Portal: Your Personal Financial Hub
To bring this vision to life, we’re proud to offer clients subscribing to our services access to the Wealth Portal — a secure, state-of-the-art digital platform that gives you control, clarity, and confidence over your financial life.
The Wealth Portal has been carefully developed to act as a single source of truth, giving you a real-time, consolidated view of your entire financial position in one place. It goes beyond traditional wealth management tools by providing:
Paperless Onboarding:
Say goodbye to endless forms and duplication. We make getting started easy, efficient, and fully digital.
Secure Client Portals:
Your data and documents are stored safely, accessible to you anytime, anywhere.
Secure Messaging:
Communicate quickly and safely with your adviser and our client support team through encrypted, in-portal messaging—ensuring your sensitive information stays protected.
Real-Time Reporting:
Keep track of your wealth with up-to-date information on investments, savings, liabilities, and goals.
Simplified Transactions:
Using digital processes fully integrated with platforms, you can complete common transactions such as top-ups and withdrawals with ease—cutting out paperwork and delays and putting you in control of your investments.
Our technology is designed to enhance—not replace—the human relationships that matter. Your dedicated adviser remains your primary contact, always on hand to offer guidance, answer questions, and help you make informed decisions.
What This Means for You
Simplicity:
All your financial information in one easy-to-navigate space.
Transparency:
Immediate access to reports, performance updates, secure communications, and documentation.
Efficiency:
Less paperwork, quicker communication, and smarter collaboration.
At Real Wealth, we’re proud to combine modern technology with timeless personal service—helping you stay on top of your finances, today and for the future.
Cutting back on paper
We believe in making life simpler, not harder, you’ll have everything securely stored in one convenient place on Wealth Portal —your personal online library—rather than storing and sifting through piles of paper. This includes not just financial documents, but also other important items such as wills, property information, and insurance documents. This not only helps you stay organised but also ensures your valuable records are safely backed up, protected, and easily accessible whenever you—or your loved ones—may need them. With everything in one place, you’ll have greater peace of mind knowing that essential information is always at your fingertips, without the risk of it being lost, damaged, or misplaced.
As part of our overall Environmental, Social and Governance Policy (ESG), Real Wealth operates a paperless office, and we only accept clients with a current email address and means of accessing the internet. To fulfil our regulatory obligations, you agree to maintain your ability to access our portal or the provider’s website to view your custody statements and contract notes online.
Your Journey with Real Wealth Partners
At Real Wealth Partners, we believe financial planning is more than just numbers—it’s about your life, your goals, and your peace of mind. Our client journey is designed to ensure that you receive clear, caring, and expert guidance every step of the way.
From your very first conversation with us, right through to ongoing reviews and lifelong support, you can expect professionalism, transparency, and a focus on what truly matters to you.
Let’s talk about
your life – not
just your finances
We’re here to help you live the life you want — with the confidence that your financial plan is clear, structured, and fully aligned with what matters most to you.
