Independent Financial Services
Terms of Business · July 2026
Download Partnership Service Client Engagement Letter (PDF)In receipt of the advice, an ongoing review service and conducting a periodic annual assessment of suitability as detailed below, I/we agree to pay Backhouse Independent Financial Services Ltd the fees as detailed below:
We have provided you with the following services.
Initial Meeting to Determine Objectives and Needs
Conduct a Full Financial Review
Conduct an Assessment and Explanation of Attitude to Investment Risk
Obtain information on your existing investments or policies
Once you engage our services, we will:
Research Appropriate Solutions
Arrange a further meeting with you.
Provide written confirmation of our advice
Make Recommendations
Help complete and documentation as a result of our advice.
Complete Administration and Document Processing for Specific Advice
We will provide you with the following ongoing services:
Ongoing Administration and Document Processing
Issue a quarterly written report with updated portfolio statements
Ongoing Investment Advice / Communication
Ongoing Phone and/or Email Support
A review meeting offered every six months to cover the following:
Your portfolio performance
Changes to your personal circumstances
Whether your current insurances and protection cover remains appropriate (if applicable)
Retirement planning (if applicable)
Identify tax changes that may affect your investments
Your estate planning arrangements (please note that the Financial Conduct Authority does not regulate taxation and trust advice).
Any information required for your accountant or other professionals
Review your documents to minimise paperwork
Update our Factfind Questionnaire, periodically
Trust Advice (Where Applicable)
Referral to other professionals
We will also provide you with the following suitability assessment annually and reconfirm the following in writing:
Your investment objectives
Your financial situation
Your knowledge and experience
Your attitude to risk
Your investment strategy and your attitude to risk are in line with your current circumstances and investment objectives
M11.0.2/V10 (2026)
The amount or level of financial loss you are willing to accept
The costs and charges applied to your portfolio over the review period
The cumulative effects of these costs on the investment return
Whether or not the advice still remains suitable
| Regular Premium Fee | £………… Per Month Paid for ….. Months £………… Total Fee |
| Fixed Fee | £………..… |
| Fee as a percentage of the amount invested or transferred for implementation Fee in cash terms of the amount invested or transferred for implementation | ....……….% £….……….. |
| Fee as a percentage of funds under management for ongoing service. Fee in cash terms for funds under management for ongoing service. | ....……….% £…………… |
The actual ongoing advice fee charged will vary depending upon how the investment performs and it will increase as the fund grows, it will decrease if the fund value decreases or an income or lump sum is withdrawn
| Cheque made payable to the company | ☐ |
| Facilitation via the provider Lump Sum Regular Premium Payment via BACS | ☐ ☐ ☐ |
| Client Name (s) | ||
| Client Signature (s) | ||
| Date of Agreement |
M11.0.2/V10 (2026)
Our team is ready to discuss your financial goals
Backhouse Independent Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number: 126319. https://register.fca.org.uk For further information on our costs and services, please contact us.
The information and guidance contained within the website is subject to the UK Regulatory Regime and is therefore primarily targeted at customers in the UK.
Oakmount House 9 Carrside Lomeshaye
Business Park Nelson, Lancashire BB9 6RX
Telephone:
Email:
Monday - Friday: 9:00 am to 5:00 pm
© Backhouse Independent Financial Services Limited.
Registered in England.: Company No. 01140032.