Helping you and your family

achieve your financial goals

Illuminating Advice
Helping you and your family achieve your financial goals
Take control
of your
finances,
so you can
enjoy the
important
things in life
We can help you to:
• Understand your financial
position and help you and
your family to set and work
towards your goals.
• Achieve greater financial
security to fund your lifestyle
now and in retirement.
• Build a legacy for the ones
you love.
Our advice can help you to
make informed decisions about
your savings and investments,
protecting your family,
maximising your retirement
income and your assets.
We pride ourselves on putting
you first and our advice
recommendations are based
on what is best for you. We will
build your financial knowledge
and our advice will help you
to make confident financial
decisions at the right time.
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What makes us different

We will help you to review your circumstances and set financial

goals for you and your family.

One of the UK’s leading national financial advisers

We have a history of providing advice for over 130 years and
have a team of highly qualified advisers across the UK. We have
received many awards in recognition of our services including
‘Retirement Planning Advisory Firm of the Year’ for the last 10
consecutive years.

With you every step of the way

You will have your own named financial adviser who you can
contact whenever you need them. Your adviser builds an in-depth
understanding of your financial situation, so that their advice
is specific to your own circumstances and financial goals. Your
financial situation changes as you move through life. Expected
and sometimes unexpected events mean that your financial plans
need to be regularly reviewed and updated. Your personal adviser
will guide you every step of the way as your circumstances change.

Our service – transparent and no surprises

It’s very important to us that you are clear and comfortable with
the services we provide and our charges. That’s why we are
completely transparent in our approach. We charge on a fee basis
and provide a detailed breakdown of the work we are undertaking
for you, along with all associated fees. We won’t go ahead with
any chargeable work without your prior agreement.

Helping you and your family achieve your financial goals

 Helping you build your financial knowledge
We help you make confident choices about your finances. Your
adviser can regularly review your financial plans and explain their
recommendations. In addition, as part of your ongoing Client
Service Agreement, we will keep you fully up to date with relevant
financial, regulatory and fund updates, Budget commentaries,
and send you our exclusive client magazine, Aspire.

£
Saving you money
The size of our business often means we can access a wider choice
of products and services at lower costs from providers than you
would if you approached the product or service provider directly.

Advice you can trust

You need reassurance and trust when choosing a financial adviser.
Origen Financial Services is directly authorised and regulated
by the Financial Conduct Authority (FCA). You also have the
reassurance that you are covered by the Financial Ombudsman
Service and Financial Services Compensation Scheme (FSCS).
We are wholly owned by Aegon UK plc, which is classed by top
credit rating agency Standard and Poor’s as A+. Aegon UK plc is a
part of Aegon N.V, one of the largest insurance companies in the
world.

In safe hands
We believe in building long term client relationships and we work
for our clients as we would for our own families. Many of our
new clients come from recommendations to family, friends and
colleagues. If you know a friend, relative or colleague who could
benefit from our advice services, please ask them to contact your
adviser or to give us a call on 0344 209 3925* and speak to a member
of our Client Services Team to arrange a call with an adviser.

*Calls are charged at your phone company’s basic rate. All calls are recorded
for business purposes.
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Helping you and your family achieve your financial goals
Giving you
financial
confidence
We have wide experience of the
questions clients have about
financial advice. We want you to
feel comfortable and give you
confidence and reassurance
from the advice we provide.
Please ask any questions
of your adviser so that you
understand our advice
recommendations.

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 How do we help with your financial needs?
Our service goes beyond the initial advice need you may have.
We also provide a comprehensive approach to financial planning
including investment planning, family protection, retirement
planning, long term care, pension transfers and passing on your
wealth tax efficiently.

What does good advice look like?

We discuss your long term plans, personal and financial objectives
and identify steps to help you achieve your financial goals. We
identify any gaps and help to address any priority areas.

What are the benefits of advice?

Financial planning can be complex. A financial adviser offers
market knowledge, expertise and provides a professional,
impartial view of your financial plans.
If you are looking after your own financial plans, think about
how much time it takes you and also consider whether you are
fully up to date on all of the technical rules, jargon and the latest
regulations to identify the planning opportunities available?
We protect our clients and won’t recommend unregulated products
that we consider carry too much risk or lack liquidity, making them
hard to sell when the proceeds are needed. Regulated products
also have the additional protection of the Financial Services
Compensation Scheme.

Giving you confidence in our advice

Every Origen adviser has to maintain and demonstrate their knowledge
as part of their ongoing development. In accordance with the Senior
Managers and Certification Regime (SMCR), on an annual basis,
Origen assesses that our directors, senior managers and advisers
continue to be fit and proper to perform their roles. We also expect
all staff to adhere to the SMCR conduct rules, which ensures that
there is greater individual accountability and high standards of
personal conduct.
We record our advice appointments and our phone and online calls,
with your consent, to ensure we deliver our services in line with your
expectations. We also have an experienced in-house Business Quality
Unit who is responsible for checking our advice before we provide
our recommendations, providing you with additional reassurance.

Helping you and your family achieve your financial goals

Our ongoing services
You will receive a Client Service Agreement which shows the services
we provide in respect of any ongoing fees that are agreed with your
adviser. These services include:

• Proactive regular reviews – We arrange regular financial

reviews to check that you remain on target to achieve your
financial goals.

• Product and fund monitoring – We monitor the products

and funds marketplace, so that we can alert you when any
recommendations or investment choices may need to be
reviewed. We also use external expertise from Morningstar,
who provide independent research on all UK funds, to ensure
that our panelled funds continue to meet the aims which they
set out to achieve.

• Financial Updates – We provide regular Financial Updates,

which includes financial news and helpful planning tips.

• Budget Updates – We provide commentaries and summary

reports by email to keep you up to date on government
financial announcements.

• Aspire – You will receive our exclusive lifestyle and financial

magazine.

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Working together

 Our approach to advice

Initial Review your Advice and Implementation Ongoing

appointment financial situation recommendations service

Initial appointment - At the initial appointment, our financial advisers take the time
to understand your current financial position and help you to create a plan to achieve
your financial goals.

Review your financial situation - Our advisers will review your circumstances so that
any advice or service we provide is specific to your financial situation. To help us to
help you, please gather information about your existing financial plans which may
include pensions, investments and protection policies. We can identify any gaps or
shortfalls you may have and if your planning is on track, we will reassure you that this
is the case.

Advice and recommendations - After discussing the results of the review, we will
deliver a personal recommendations report tailored to your needs and financial goals.

Implementation - We will then carry out the agreed recommendations and keep you
informed about the progress of putting them in place.

Ongoing service - Our service doesn’t stop there. We provide a range of ongoing services
including regular reviews and monitoring the performance of your investments. We
keep you regularly up to date with important financial issues and advice tips and our
exclusive client magazine ‘Aspire’.
We hope that like many of our customers you value our advice and recommend us to
your friends, family and colleagues.

Helping you and your family achieve your financial goals

 We are here to help you through the financial jargon and share our
experience of providing financial advice for over 130 years.

 Find out more about our services

At Origen Financial Services we offer financial advice across a wide range of areas,
including:

• Planning for retirement • Growing and preserving your wealth

• Investment advice • Inheritance Tax and estate planning
• Financial protection for you and • Business planning and protection
your family

To find out more about how we can help you achieve your financial goals, please visit
our website www.origenfs.co.uk where you can view our literature on our ‘Media
Library’.

Private Clien
t Solu tion
s

Planning
for retirem
ent

www.orig
enfs.co.u k

Alternatively email us at clientservices@origenfs.co.uk or give us a call on

0344 209 3925 and speak to a member of our team to discuss your financial needs.
Calls are charged at your phone company’s basic rate. All calls are recorded for business purposes.

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 Write to us at:
Origen Financial Services
Second Floor, Ascent 4
To discuss how we can help you towards your financial 2 Gladiator Way
goals, please contact your adviser or our Client Services Farnborough
Team on: GU14 6XN

Email us at: 
0344 209 3925 clientservices@origenfs.co.uk

*Calls are charged at your phone company’s basic rate. Visit us at: 
All calls are recorded for business purposes. www.origenfs.co.uk

Origen Private Client Solutions is a trading name used by Origen Financial Services Limited which is authorised and
regulated by the Financial Conduct Authority. Our FCA registration number is 192666. Our Registered Office is: Second
Floor, Ascent 4, 2 Gladiator Way, Farnborough, GU14 6XN and registered number 03926629. CA9170 Exp 02/2024