Welcome to Sacre Associates LLP
Independent Financial Advisers

Milstrete House
29 New Street
Chelmsford
Essex
CM1 1NT

Tel: 01245 267 770
Fax: 01245 260275

Planning to Succeed

We all have financial needs, and finding an affordable solution to meeting those needs is an area that many people seek advice upon.

Your needs today could be significantly different to those of the future. Financial planning can provide a means of reducing current tax liabilities as well as enabling you to provide for your future. You may wish to plan for a child's education, or the purchase of a dream home or perhaps for income in your retirement.

No effective financial plan can ignore the effects of outside influences like accidents, long term illness or loss of employment. It is also important to consider the effects on others were you to die.

Our expertise is at your disposal

All our advisers are qualified and look to provide you with professional and impartial advice. We always look to find solutions for your needs that work throughout the many different stages of your life.

Insurance and Investment products differ greatly in areas such as tax treatment, charges or investment returns. We constantly monitor the whole market to ensure you receive advice about the product that best meets your needs.

Our Independence

As Independent Financial Advisers, our business has no links or ties to any one product provider. We can access Life Assurance, Pension or Investment products from across the whole marketplace. This means we can choose from amongst 30,000 financial products to provide the best for you.

Our investment business is fee based. We will tell you what we will charge and what you are being charged for. In many cases it is possible for our fees to be funded by commission from the insurer or investment company if you are happy for your charges to be met that way.

For existing clients who are used to a commission basis, please remember that we can't charge fees unless we've agreed the basis with you first.

For further information please refer to: -

Key Facts about our services
Terms and Conditions of Business

all of which can be posted or emailed to you on request or download below.

Please also ask for details about our Pro-active investment services.

Treating Customers Fairly

We have embraced the Financial Services Authority ‘Treating Customers Fairly' principle, and this empowerment forms part of our ethos and culture, and is at the forefront of our recommendations. We believe that Treating Customers Fairly is about delivering a fair outcome to our clients whilst offering a first class business service. Our Vision & Purpose statements follow on the next page
Our core principles are:
• We will be open and transparent in the way we deal with you.
• We will not place our interests before yours.
• We welcome customer feedback on a regular basis.
• We work to a transparent service & remuneration schedule.
• We encourage all our staff to further their professional development.
• We will communicate clearly and without the use of jargon.
• We will inform you of our charges before undertaking any work for you.
• We will deal with any complaints promptly and fairly.

We look at all areas of our business on a regular basis to ensure that:
• Clients can be confident that they are dealing with a firm where the fair treatment of customers is central to our firm’s culture.
• We consider our clients when promoting new services and products and ensure that it is relevant to them.
• Our clients are provided with clear information and we keep them informed before, during, and after the point of purchasing financial products.
• Where advice is provided, we take time to understand our clients’ situation and ensure that our advice is suitable and appropriate.
• We meet our client’s expectations, providing them with a level of service and products that are of an acceptable standard.
• We will ensure that our clients can switch providers, change products, surrender policies and make any complaints without any undue barriers.

Vision and Purpose Statement

Sacre Associates was founded by Robert Sacre in 1986 in Chelmsford to provide Independent Financial Advice to Individual and Corporate Clients in the South East of England.

Following steady expansion over the years through client recommendation, referrals from Professional Connections and careful acquisition of other IFA Practices, Sacre Associates was significantly strengthened in 2006 with the admission of four of the existing long standing management team as Partners. At the same time the firm converted to a Limited Liability Partnership.

We strive to build long standing relationships with our clients through providing a professional, personal and friendly service.

We value our staff and endeavour to offer a pleasant and flexible working environment where each individual is encouraged to develop and reach their potential.

We aim to maintain our position as one of the largest privately owned IFA Companies in the region and to further expand our three Corporate Pension, Wealth Management and Mortgage Divisions.

We strive to ensure Clients will value our integrity and have complete trust in the service which we provide.

We want our Staff to enjoy working in a friendly and caring atmosphere, to be fulfilled in their work and to feel appreciated. We aim to provide opportunities for training and development to enable our people to maximise their potential.