Welcome to Libra Financial Management, providers of Independent Financial Advice.
We create a personalised plan for you, designed to meet your current and future financial objectives. We compliment this with regular review meetings. Our bespoke plans can be either comprehensive where we offer advice on the full range of financial planning areas. or tailored where we offer advice on a specified area or areas.
A solid financial plan can play a central role in helping you to get the most out of your money.
With a clear picture of where you are, where you want to be and what is required to get there a financial plan can also give you the discipline you need to work towards both short-term and long-term targets.
We Consult, Review & Recommend, Implement and Support.
Our Investment Services & Costs
We provide you with an initial consultation free of charge. This helps us to understand your financial objectives and will confirm how we can support you in working towards these. We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you.
We charge for our services by way of a fee. These fees are calculated as:
An hourly rate for the Financial Review and Recommendation.
A percentage based fee for the Policy Arrangement & Implementation.
The implementation charge is offset against the financial review and recommendation charge.
A percentage based fee for the Ongoing Reviews and Changes to Existing Investments.
We charge our hourly rates for any work not covered by the Advanced and Core services.
Our Insurance and Protection Services and Costs
Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report.
We do not charge a fee for our insurance and protection services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.