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about us

I established Mercier Allen in 2005. I wanted to create a forward thinking business that values the client.

Unrivalled service has always been at the centre of everything we do, we treat each and every client with the same respect, care and attention we would want to receive.

Listening and understanding our client’s plans for the future and planning towards their goals is key to our relationship.

We understand that the advice our clients receive needs to be tailored, personal and understandable. We achieve this by offering high quality

of life.

Our four key principles are integrity, reliability, honesty and value.

We will act with integrity in everything we do.

We believe in delivering high standards of service and advice, we will do what we say we will do.

We will be honest, open and transparent with you at all times

You have every right to expect value for money from us; we will always strive to deliver this.

We understand that the advice our clients receive needs to be tailored, personal and understandable.

our team

Our team is what make our business goals and principles achievable. We feel that it is important for you to know a little more about us and what each of us do;

Neil Mercier DipPFS Principal

since 1995 and advising since 1996.

in pensions, investments, inheritance tax planning and long term care. Neil enjoys learning and continually seeks to keep his industry knowledge up to date; he is currently studying towards the Chartered Financial Planner

Fiona Edgar DipPFSClient Relationship Manager

services since 2000. In 2009 she decided to specialise in product research

complex one and requires extensive technical knowledge, and a great deal of research will go into each case prior to advising a client.

Fiona’s role is to support Neil in the design of client portfolios, investment

may incorporate researching existing plans as well as any new plans you might be considering.

Fiona also enjoys learning and continually seeks to keep her industry

Diploma in Financial Planning

Chartered Insurance Institute

Personal Finance Society

Diploma in Financial Planning

Investment Management

Joanna Webbce ministrator

experience all of which were with the same world leading pharmaceutical company. Joanna has always lived in Horsham and is enjoying working within the community in which she has lived for so many years.

run smoothly and that clients are always kept up to date with the progress of their own transactions.

Joanna helps to keep us all from slipping into industry jargon and constantly

and Dealing

Insurance

Chartered Insurance Institute

Personal Finance Society

Kylie Lambert ce ministrator

joined the team in 2007. She works closely with Neil & Fiona on new case

completion of new business as well as being our clients primary point of contact for our online client portal.

including but not limited to pensions, investments, ISA accounts and the arranging of life insurance.

Part of our ongoing commitment to our clients is a regular review process. A key part of Kylie’s role is to ensure that our clients receive the appropriate level of service and that their reviews are scheduled at the correct time.

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the a ice process

ConsultationWe will introduce ourselves and explain how we will work with you, the services we are able to provide, and the cost of those services. We will talk

you would like to achieve them. When we consider your investment needs

information so we can work out our recommendations and advice.

Advice

now take some time to gather further information with regards any existing

choices, costs and charges.

Implementation

planning. We will assist you with completion of the relevant applications and any additional information required for the submission of the application to providers. We will then monitor the processing of the application through to implementation and ensure you receive the policy documentation.

Ongoing Service

that circumstances change, and we aim to support our clients with a lasting,

allows you to obtain real time valuations and data on your plans.

he aim o the a ice process is to achie e a goo outcome or ou e aim to eli er

a suitable solution that matches your in i i ual nee s attitu e to ris tolerance or loss timeline no le ge an e perience he ey to our process

is that it is robust an repeatable

ur a ice process typically is bro en

o n into the ollo ing elements

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life stages

Approaching Retirement

Approaching retirement is all about planning, predicting your income needs in the future, reviewing your existing pension arrangements and addressing shortfalls, as and when they occur. People at this stage of life who just assume everything will be okay are often disappointed.

stage mortgage and larger loan commitments have ended, dependent

aggressively than ever before.

Planning for retirement is not all about pensions. A holistic approach to investment and retirement planning should take into account your ability to

savings, estate planning, inheritance tax considerations and in some cases moving money offshore. Clients at this stage may also inherit from their parents or other elderly relatives.

Individual Savings Accounts (ISA’s)

Bonds (Onshore/Offshore)

Pensions

National Savings

Accumulation PhaseClients at this stage are likely to still have a mortgage, dependent children, car loans and possibly other commitments.

expenses such as school or university fees, weddings or assisting children onto the property ladder.

It is at this time that clients begin to plan for the future, switch their focus from repayment of debt to creation of savings and begin planning towards retirement.

It is also possible that windfalls / inheritances or progression up the career ladder leads to increased income, bonuses or share options.

Individual Savings Accounts (ISA’s)

Bonds (Onshore/Offshore)

Pensions

National Savings

to minimum advice charges

…People at this stage of life who just assume everything will be okay are often disappointed

...focus from repayment of debt to creation of savings and begin planning towards retirement

planning are not regulated by the FCA

available to all clients at all life stages but is subject to minimum advice charges

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Post Retirement

options available to them, the need to immediately secure an annuity

advice to ensure that they are aware of the choices available.

critical as even though clients may now be eligible for income tax age

they will still be paying large sums of income tax.

into trust.

retirement; income and expenditure can be uncertain. Active retirement; expenditure may indeed increase and savings capital spent.

Later stage retirement; capital security, care needs and inheritance tax planning become ever more important.

Pension Annuity (standard, enhanced or impaired)

Could your health effect your level of income in retirement

Do you require a guaranteed income

Considerations for long term care

Downsizing and lifestyle changes

Legacies to children/grandchildren

Decumulation of savings and Investments

and Gifts to Charities are not regulated by the FCA

subject to minimum advice charges

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forecasting is essential for those with complex

in retirement

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Service Provided Financial Planning Wealth Management

nnual in estment report inclu ing plan aluations an fun analysis

nnual re ie meeting ith a iser p to three further meetings ith a iser per annum

iennial re ie meeting ith a iser

monthly in estment report pro i e ia our secure Personal Finance Portal

Re assessment of attitu e to ris con ucte at annual biennial re ie Suitability of in i i ual in estments e amine at annual biennial re ie

reas of shortfall re ie e an iscusse

Cash o mo elling con ucte an re ie e

ncome an pen iture assessments

oals base reporting

ealth accumulation an e accumulation plans esigne

Fun factsheets a ailable ia Personal Finance Portal

ccess to our online Personal Finance Portal secure e mail ser ice li e aluations an fun performances

...We can therefore offer our clients a core plus sector fund solution...

nancial planning ser ice ser ice le els

Clients with assets under £250,000 will not receive the above services

In addition to this we can agree to work with you on a transactional basis which is charged at our standard hourly

We will estimate the costs of works to you as accurately as possible prior to commencement.

Core solutions Consisting of Multi Asset/Multi Manager Funds, risk rated on a scale of 1 to 10 based on asset allocation, volatility, investment philosophy and

Alternative Core Solutions

minimum of once a year.

Sector Funds On occasion there will be a demand for a particular fund from a particular

appropriate research has been conducted. We can therefore offer our clients a core plus sector fund solution. A client may wish to access opportunities they believe exist within a single sector, and these funds will allow them that opportunity.

Managed Funds Managed funds can reduce costs for active fund management. We have a list of over twenty funds on which appropriate research has been conducted and cover many Investment Management Association (IMA) sectors.

Discretionary Fund Managers We can work alongside a small number of discretionary fund managers

DFM adopts individual processes to run money that external research partners can validate and that we are comfortable with. Whilst DFM’s are not suitable for everybody they can provide a valuable service for our more sophisticated investors.

Ethical Funds As a result of increasing client awareness we have researched the ethical

number of ethical funds. Due to the nature of this market our ethical funds are regularly updated and altered. Some funds are greener than others and are selected on both a positive and negative basis.

We offer our clients two levels of service dependent upon frequency of contact, investable assets and the nature of the work undertaken.

We will help you to decide which level of service meets your needs, obviously the more complex the arrangement the greater will be the ongoing need for advice and management.

We will help you to decide which level of service meets your needs

hat is nancial planning

pension portfolio.

such as savings or investment pots and are seeking our help to review and manage these.

decisions and then to add value to their overall investment experience.

hat is ealth management

Wealth management is more than just investment advice. We focus on your goals and ask the question “What is it that requires your time, money and

time and resources you need to do what you enjoy. Importantly it also builds in catastrophe planning, so we can assess the impact of a fall in the global markets and see in advance how this could affect you. With proper foresight a

meeting and achieving our goals and where necessary adapting to change as and when it occurs.

Our aim is to help and advise you how best to protect and grow your wealth.

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Mercier Allen and Associates Ltd is an Appointed Representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Registered in England and Wales Number 5440169 Registered Of ce 4 -44 Carfa orsham West Susse R 1 1E