Operating Procedures

Operating Procedures

Who will be providing the financial service to me?

Sky Capital and Financial Allied Int’l Ltd is a corporate financial and investment firm contact details are: Address: No 2 Alexander Road, Ikoyi, Lagos State

Who do you act for when you provide financial services to me?

Sky Capital and Financial Allied Int’l ltd is an authorized and certified to provide financial services to clients. Sky Capital and Financial Allied Int’l ltd is responsible for the provision of any financial services.

Sky Capital and Financial Allied Int’l is bound by the conflict of interest policy. Any conflicts of interest or potential conflicts of interest will be disclosed, avoided or controlled in the prescribed manner. This ensures that all Sky Capital and Financial Allied Int’l Ltd clients will receive sound and objective financial advice. Ultimately our goal is to act solely in our clients’ interest.

What kind of financial services are you authorized to provide to me and what kind of products do those services relate to?

Sky Capital and Financial Allied Int’l ltd is authorized to offer you the following services:

  • Strategic planning advice
  • Investment portfolio and management
  • BDC operate
  • Insurance Brokerage
  • Microfinance/Consumer lending
  • Corporate Funding/Lending

How do you research products and services providers?

Each investment or financial service that is recommended undergoes extensive research. Sky Capital and Financial Allied Int’l undertakes extensive in-house analysis and sources qualitative research from a number of independent research houses. Only investments, insurance products and financial services that qualify for inclusion on our preferred product list will be recommended.

Sky Capital will provide two distinct types of advice to you in the course of preparing your financial recommendations.

  1. Strategic advice is advice we will give to you to explain how best to structure your affairs relating to investment, retirement planning, superannuation planning, taxation, estate planning, borrowing, income and expenditure planning perspectives. We can also assist clients to determine the suitability of new and existing loans/credit facilities. We will be happy to provide you with an assessment of your existing loan/credit facility we will provide you with written advice and our recommendations.
  • Personal investment and/or insurance advice is advice that we will give to you when recommending specific types of financial products and services relevant to your circumstances that will assist in achieving your future objectives.

After our strategic advice has been provided, in order for you to achieve your goals and objectives, we will select the investment and insurance  products that have the relevant features to achieve your specific goals. We will only recommend investment and or insurance products to you after considering their suitability for your individual investment objectives, financial situation and needs.

To ensure that you have the peace of mind of knowing that your finances are appropriately structured, we wrongly recommend that you take advantage of our ongoing review of your portfolio, regular reports on its performance and the financial strategies we have implemented for you.

How will I pay for your advisory services?

Fee for service: we will provide you with an invoice for the services we provide or arrange to debit your portfolio; the choice is yours


Insurance commission or brokerage: commission or brokerage payments come from commission brokerage paid to Sky Capital and Financial Allied Int’l Ltd, who in turn receives them from the life insurance companies whose products we recommend to you.


Loan/credit facility commission or brokerage: Commission or brokerage payments come from commission or brokerage paid to Sky Capital and Financial Allied Int’l Ltd who in  turn  receives them from the lending organizations whose products you choose to purchase.

If you charge me a fee for the service you provide, how are the fees calculated and paid?

Initial meeting:

To allow time to mutually explore the value we offer, we absorb the costs associated with our first meeting.

Financial planning advice:

Service fees are based on a combination of assets under advice and complexity. A quote shall be provided after our first meeting.

At Sky Capital and Financial Allied Int’l we are absolutely committed to ensuring the quality of our planning advice will always represent value to you. If you were ever dissatisfied with the quality of our advice, the actual cost to you would only be what you feel is fair… this is our quality guarantee.

We have researched the various means of charging ongoing fees for service. Our goal was to determine the fee structure that is most aligned to client goals of wealth creation and asset based fees was determined as most appropriate. With asset based fees there is a clear motivation to improve the client’s position. The more our client benefits from our advice, the greater the mutual relationship.

Other means of charging fee for advice that were researched providing the following results:

Performance based fees:

Performance based fees encourages excessive risk taking which can lead to excessive losses which is not aligned to optimal outcomes for clients

Transaction based fees:

Transaction based fees encourage excessive turnover of investments which creates costs in terms of fees, tax and timing errors.

Other service costs:

Our firm may assist you in other ways such as extended strategic advice, arranging insurance applications, loan product applications, estate planning services and reviews.

In these instances, we will always advise you of our estimated fees prior to commencement of our work.

If you accept a credit commission, how much commission do you get? How is it calculated and paid?

If we grant you facility, we will advise you of the specific loan rate applicable to any loan recommendation, prior to you applying for the loan.

What should I know about the risks of the investments or financial strategies you recommend to me?

We will explain to you any and all risks associated with investments and strategies that we recommend to you. You should ask us to clarify any risks that are not clear to you.

Can I provide you with instructions and tell you how I wish to instruct you to buy or sell my investment?

Yes. You may specify how you would like to give us instructions. For example, by telephone, fax or other means. If the execution is by telephone instruction we will require you to provide a letter of authorization to serve as a record of the telephone instruction. This record will be kept on your file for future reference if required.


What information do you maintain in my life and can I examine my life?

We maintain a record of your personal profile that includes details of your investment objectives, financial situation and needs. We also maintain records of any recommendations we have made to you and any discussions of significance we may have with you. If you wish to examine your file, feel free to ask and we will make arrangements for you to do so.

We are committed to maintaining and promoting a privacy policy, which will ensure the privacy and security of your personal information. A copy of our privacy policy follows:

Disclosure of information to third parties:

During the initial and/or ongoing provision of financial advice it may be necessary to disclose your information to certain third parties. These parties may include (but not limited to): registered tax or legal practitioners; superannuation or insurance providers; the Taxation Office; or other Government departments;

In accordance with the law, we will obtain your signed consent to release the information to the third party. However we are not responsible for any unauthorized use or disclosure of your information by the third party after it has been released to them.

How do you deal with the Anti-Money Laundering/Counter-Terrorism  Financing (AML/CTF) Act?

Sky Capital and Financial Allied Int’l adheres to all aspects of the AML/CTF Act. As such, we require clients and prospective clients to provide us with identification in accordance with the legislation.