Client Agreement

Lorem ipsum dolor sit amet, consectetur

Why should you read this agreement?

It is important you read this document as it sets out important information about us, our services, and the protections you have when engaging with us. If you are unsure about any of the information below you should contact us immediately for further guidance

Who are Giliker Flynn Independent Wealth Ltd

Giliker Flynn provide independent, unbiased investment & retirement advice, with a sole focus on achieving the best outcomes for our clients, whilst providing excellent service along the way. Our approach is to create a relaxed friendly environment and build strong relationships based on trust and confidence. We manage your expectations, explain our recommendations in a way you fully understand, and ensure you feel completely comfortable and confident with the decisions that you make. We are regulated and authorised by the Financial Conduct Authority, and have been awarded the Chartered status, which is something we are particularly proud of. “Although this document is about us everything we do is very much about you”

Who are we authorised by?

Giliker Flynn Independent Wealth Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 1015743.

What services do we offer?

Giliker Flynn Independent Wealth Ltd are able to act on your behalf in advising you on investments and non-investment insurance contracts. We offer products and services as follows: Investments - We provide independent investment advice. We will consider a range of regulated products from the available market that can meet the investment objectives of a retail client, but we will only provide a recommendation to you when we know the product is suitable for your personal circumstances. Full details of the products we recommend will be confirmed in the product literature you will receive before it is arranged. We will inform you if any investment we recommend restricts future access to your capital. For Non-investment protection contracts we are an intermediary and will act on your behalf when providing advice and making our personal recommendation(s) to you. We will do this based on a fair and personal analysis of insurers for term assurance, income protection, critical illness.

How do we deal with you as a client?

We typically offer you an initial consultation at our expense at which we will describe our services in more detail and explain the payment options. The Financial Planning Process There are a number of different stages to our financial planning process which are outlined in the financial planning process. 1) Initial Consultation - This is the initial consultation where we understand your financial needs and objectives and explain the service we offer and our charges. 2) Financial Review & Ceding Scheme Analysis - To obtain all relevant details about you and your financial circumstances. Complete a risk and capacity for loss assessment to ascertain how much risk you are willing and able to take. Analyse current pension and investments against your objectives and risk level as well as any new investments. Have a meaningful discussion about the options available and determine which way we move forward. Commitment is required at this point to whether they want to go ahead with instructing us to prepare our recommendations 3) Recommendation Presentation - This a final meeting to present our recommendations to you, to ensure you fully understand our advice and feel comfortable proceeding. 4) Implementation - Handle all administration, complete, and submit your application. Keep you informed of the application progress on a regular basis. 5) Optional On-going service - All details of what is included with our Silver / Gold/ and Platinum servicing can be found within our Service agreement document.

Our Investment Services and Costs

We typically provide you with an initial consultation free of charge. This helps us to understand your financial objectives and we will confirm how we can support you in working towards these goals. We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you. We charge our services by way of a fee. These fees are either fixed or based on a percentage of the amount you invest, subject to a minimum fee and a maximum fee. Full details of our fee structure can be found in our Client agreement document.

What do we bring to a client relationship?

We bring a trust which underpins our initial meetings and relationship thereafter. The key elements Giliker Flynn Independent Wealth Ltd aim to bring to our relationship are: • Your peace of mind • Our expertise • Our awareness of the financial markets • Providing advice on the suitability of your investments Our service is personal to you, and we will agree a plan designed to help ensure our recommendations remain suitable to your individual needs and circumstances. We will make sure that we understand what you want to achieve and provide information in a way that gives you confidence and is easy for you to understand. We will make sure you always have the information that must be provided to you. We offer an ongoing service where we review the ongoing suitability of your investments and keep your goals at the front of your financial planning. Where you sign up to our ongoing service on an annual basis: • We will review the suitability of your investments. • We will monitor and rebalance your portfolio. • We provide you with a valuation. • We forecast how long your portfolio may last if you are making withdrawals • We keep you updated on things that matter to you.

Our Philosophy

Our passion and beliefs help create our philosophy on how we aim to provide the best possible support to help meet your financial objectives. Everything we do is designed to meet the Financial Conduct Authority’s (FCA’s) 12 principles for business and comply with their rules, regulations and guidance. The FCA’s principles for business are at the heart of our business and designed to ensure that we act with integrity, conduct our business with skill, care and diligence, treat our customers fairly and manage our conflicts of interest.

Your aims and objectives

Unless we notify you in writing to the contrary, we will be treating you as a “retail client” for investment business. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Any advice or recommendation(s) we offer to you will only be given after we have got to know you, assessed your needs and considered your financial objectives, attitude to risk and capacity to bear any losses. We will also take into account any restrictions that you wish to place on the types of products or investment strategy you would be willing to consider.

Our Ethical Policy

We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and processes to place you at the heart of our business. In doing so, we will: • be open, honest and transparent in the way we deal with you; • not place our interests above yours; • communicate clearly, promptly and without jargon; • Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required. • Where possible we will adapt our communication means with you according to your needs. Please discuss this with us.

Cancellation Rights

In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30-day cancellation period for a life, non-investment protection contracts or pension policy and a 14-day cancellation period for all other policies. For investments this will typically start when funds are invested and for non-investment protection policies this will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product information issued to you. Should you instruct us to proceed and subsequently choose to cancel, our minimum fee will apply. If you cancel a contract with an underlying investment, you may incur a loss due to market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy.

Client Money

Giliker Flynn Independent Wealth Ltd is not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.

Documentation

We will endeavor to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. All policy documents will be forwarded to you as soon as practicable after we receive them. If there are a number of documents relating to a series of transactions, we will normally hold each document until the series is complete and then forward them to you. We will issue all communications in English, unless agreed otherwise.

Instructions

We only accept instructions in writing (paper or electronic means) to aid clarification and avoid future misunderstandings. Please note we will not act on oral instructions (unless this will prevent any client harm), to avoid any possible misunderstandings.

Material Interest

We will act honestly, fairly and professionally known as conducting business in ‘Client’s best interest’ regulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Where this cannot be achieved, we will not conduct the business.

Complaints

If you wish to register a complaint, please write to Giliker Flynn Independent Wealth Ltd, 2 Gower Street, Newcastle-upon-Lyme, Staffordshire, ST5 1JQ telephone 01782840590 or e-mail chris@gilikerflynn.co.uk A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567. The Financial Ombudsman Service is a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services.

Compensation Scheme

If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. For investment business you will be covered up to a maximum of £85,000. Further information about these amounts and limits for all other product types are available from the FSCS at http://www.fscs.org.uk/what-we-cover/products

VAT

Under current legislation our services are not subject to VAT but should this change in future, and where VAT becomes due, we will notify you before conducting any further work.

Anti-Money Laundering

We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.

Law

Giliker Flynn Independent Wealth Ltd shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.

Force Majeure

Termination

The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination a due proportion of any period charges for services shall be settled to that date.

Last updated: 5 May 2026