We offer a fully comprehensive financial advice service to help with all your short, medium and long term financial planning requirements.
We are committed to being fully independent, thus offering advice on products from the whole of the market. We base our recommendations on performance, service, cost and corporate stability.
Our main aims are:
||to provide a personal and professional service to our clients
||to surpass client expectations
||to provide reports and advise using language you will understand
||to invest in and utilise the potential provided by the latest technology for gathering information and for communicating where appropriate
||to earn the trust and respect of our clients through our expert knowledge and up-to-date awareness of
What Makes Us Different!
We provide a face to face advisory service for clients approaching, at and post retirement. We can often increase the level of income payable from pension contracts, explore options available, complete the paperwork and liaise with the providers accordingly.
We help clients increase their income in retirement by making the most of Tax Free Cash and Saving/Investments accrued. The advice we provide helps clients hedge their money against inflation over the medium to longer term using a number of tax efficiencies so that they can make the most of retirement.
How We Work!
As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all).
You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects
In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.
How We Are Paid!
On receiving an enquiry we invite a prospective client to come to our offices for a preliminary meeting. The purpose of the meeting is firstly to establish whether we are able to assist with the prospective clients needs and objectives and secondly to discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.
After the initial free consultation, we will agree with you whether you pay us a fee, or we are paid out of the cost of any financial product you buy (commission). We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
Commission is paid to an IFA firm by a provider, usually an insurance company or an investment house for the successful placing of business. The commission is included within the providers normal product charges, so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or sums invested.
Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees attract an additional VAT charge whereas commissions, under current legislation, do not. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing.