Customer Journey

Your journey
from here

It’s all about you

We appreciate everyone’s unique. We’ll take the time to get to know
you – and provide recommendations that are right for you and your
personal needs.

To give you the right level of help, we offer a range of advice
services at different costs, tailored to you.

Our no pressure promise

Upon hearing our recommendations, we promise there’s
no pressure to take our advice. And we’ll give you the
time you need to decide what’s right for you.

It costs nothing to hear our recommendations

You’ll only have to pay a charge if you wish to go ahead with a
recommendation. Even then, we’ll talk through all costs in detail
before you make your decision.

Our financial advice review
process in four simple steps

1. Getting to know you

This initial meeting may take up to 90 minutes.
It’s the perfect opportunity for us to get to know you, understand your
financial wants and needs – and assess your current situation.
Afterwards, you can choose to arrange a second meeting – but don’t worry
about making a decision straight away. You’ll be given the time you need
to think about your next steps.

2. Preparing recommendations, tailored to you

The second stage comes down to your adviser – so you don’t have to do
anything at this point.
First, your adviser will review all the information gathered from your first
meeting. They’ll then work closely with our in-house experts – who regularly
research the market, to develop a panel of investment products and funds
suitable for our customers’ needs. We’ll use this panel to make a
recommendation that’s right for you and your unique circumstances.

“We got to know each other quickly and
had some great conversations – not just
about my finances. It wasn’t a formal
interview – it was relaxed, very personal
and all about what I wanted.”
Bernard, Birmingham

Testimonial model used for illustrative purposes.

3. Hearing our advice

During your second appointment, we’ll present our findings and
recommendations to you through a personalised report.
Your adviser will go through all recommendations in detail – with a balanced
overview of their pros and cons. This is also a chance to ask questions, talk
about the relevant charges. And if you don’t want to make a decision there
and then, that’s fine. Take the time you need to decide what’s right for you.
Our no pressure promise means you’re under no obligation to choose a
recommendation – a charge will only apply if you decide to act. Even then,
all charges will be explained to you clearly and fairly.

4. If you’d like to take our advice

We’ll guide you through the necessary paperwork, discuss what happens
next, and make sure you’re fully comfortable with your decision before
you proceed.
You’ll also have the option to choose our ongoing service. At an extra charge,
this can help us to keep you in the loop over your investments, and much
more. If you’d like to cancel this service at any point, you’re able to do so free
of charge with 30 days’ notice.
There are a range of ongoing service options available – at different costs, to
suit different situations. This is something we can chat to you further about
in your appointments.

“As financial advisers at Skipton, we’re here
to get to help you through each stage of your
investment journey. We’ll find out about your
financial position, goals and aspirations and
then build you a tailored plan for your financial
future. We do this with no obligation or pressure
to act on our recommendations.”
Laura Hodgson, Financial Adviser

Your next steps

Arrange your free phone
consultation with Skipton.

1 Speak to the person referring you today to book a telephone
appointment.

2 Skipton will then call for an initial chat to help you decide
if our advice could be an option for you.

3 If you’re happy to go ahead, Skipton will book you in for
a review either at your local branch or through a video link.

We offer financial advice to anyone with £20,000 or more to invest, or at
least £500 per month or £400 per month for pension related investments.
Or have an existing pension(s) with a minimum value of £50,000.

“Skipton have always 4.8 out of 5
been really helpful and
approachable. They listen to Based on 3392 customer
what I want, analyse – and reviews as at 08/07/22
make great suggestions.
I know I can ask them 44..65
whatever I need to.” Rate1R5dathte‘EFdex“bEcruxeacrleyllel2en0n2tt”2’ 08/07/22
Simon, Burton-On-Trent We’re proud to be rated
excellent on Trustpilot
Testimonial model used for illustrative purposes. by our customers. 

Our recommendations are likely to include stock market-based investments.
These are not like bank and building society savings accounts as your capital
is at risk and you may get back less than you invested. The value of your
investments and any income from them may fall as well as rise.

If you’d like this booklet in large print, braille or audio, please ask in branch
or call 0345 850 1700.

Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority,
under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing
Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire BD23 1DN. 11-0999\0922