Financial Advice
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We are authorised and regulated by the Financial Conduct Authority.
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We are authorised and regulated by the Financial Conduct Authority.

What is ISA Consolidation?

An ISA is only as good or bad as the investments within it or in the case of a Cash ISA, the interest you are getting (an interest rate lower than the rate of inflation erodes the value of Cash ISAs over time).

By consolidating and transferring ISAs from your current provider(s) to Sutherland IFA can make it easier for you to manage them all in one place with less paperwork so that you have a clear vision and focus on a strategy to achieve your future financial goals.

Transferring and consolidating your ISAs does not affect your ISA allowance of £20,000 per person in the current tax year and it is a very easy process.
Consolidating and Transferring ISAs

Consolidating and Transferring ISAs

  • Cash ISAs and Stocks and Shares ISAs may be consolidated and transferred from all ISA providers to one ISA in specie (in their current investment state) or as cash.
Things to think about...

Things to think about...

  • Is the below inflation rate of interest in your Cash ISA eroding its buying power over time?
  • Does your Stocks and Shares ISA have limited access to funds from the whole of market?
  • Is your Stocks and Shares ISA being invested with a strategy in mind or just being left drift from one day to another?
  • Could your ISAs be working harder, performing better? If you’re not sure, Sutherland IFA can analyse your current ISA situation and let you know.
  • Are your ISAs in line with your attitude to risk and are they on track to do what you want them to do?

How we work

We keep it straightforward and simple.

1  

Arrange a Lifestyle Planning Meeting

A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.

     
2  

Arrange a Financial Planning Meeting

Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.

     
3  

Arrange an Implementation Meeting of your Financial Plan

If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.

     
4  

Arrange an Annual Forward Planning Meeting

Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Let’s start a conversation

We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!