Client Charter

In the UK the FSA (Financial Services Authority) has defined six consumer principles, which explain what they want TCF to achieve for clients. At Thornton Associates we have fully embraced this philosophy into our company practices as follows:

The six TCF principles

1. We will treat all clients equally and fairly regardless of situation, financial position or advice required. This applies to advisers and all members of staff.

2. We will always ensure we make the most suitable recommendation from the whole of the market to suit your needs.

3. All our advice is given in writing prior to any transaction.

4. We will always complete a financial review form to ensure we have up-to-date details of your circumstances and objectives before any advice is offered as this is the only way to ensure our advice is suitable.

5. We will give all the positive and negative points relating to any products recommended. Our advisers are available to speak to you regarding your queries by telephone or email during normal office hours.

6. We have a structured review process where any alterations to products or policies will be discussed. Annual reviews are scheduled to ensure recommendations continue to be relevant and suitable to your circumstances (there may be a charge for this service).

We feel that having the TCF philosophy embedded throughout the company will give our clients and ourselves the greatest chance of future success and happiness in the business relationship.