We specialise in Savings and Investments, Pensions, Life Assurance and Income Protection.
WHY CHOOSE US
Everyone’s financial situation has different individual needs and requirements. As an impartial financial expert, we are well placed to provide our clients with a bespoke service that works in your best interests, not ours.
Whether you want a professional to manage your investment portfolio and free you up to enjoy your wealth, or you are simply looking for a little guidance, we are able to help.
By letting us look after your financial planning needs, you pass the responsibility onto us and save yourself valuable time and sometimes money. This is because your impartial financial adviser will have access to a wider range of products than you get from high street banks or comparison websites.
Choosing the Right Financial Adviser
The best way to find a financial adviser is often through a personal recommendation, but even this has potential pitfalls. A client may be perfectly happy with their financial adviser but blissfully unaware that their adviser has been earning high commissions because of the products they have recommended.
Charges are important, but the cheapest is not always the best; it rarely is. Of greater relevance is the transparency of charges so you can determine exactly what you are paying.
How an adviser is paid is fundamental to your chances of receiving impartial advice. If they are fee-based, then their interests are aligned with yours. If they are commission-based, there is the potential for a conflict of interest, especially if the most appropriate course of action is for you to do something that does not generate a commission payment.
An important consideration should also be ongoing service. This service should include regular analysis of your portfolio and circumstances to ensure that your finances remain in the best possible shape to meet your objectives.
Knowledge
Finally, the knowledge and resources of your adviser should be considered. If you deal with an adviser you need to feel that they are competent. This may be demonstrated by their experience and the examinations that they hold. The Certificate of Financial Planning needs to be passed before somebody is able to give advice. These exams in themselves are not adequate. You should look for experience and qualifications in addition to this.
As important is the back-up and resources they have. Individual advisers are not capable of providing specialist advice in every aspect of financial planning.
In summary, advisers should be able to demonstrate:
* Fee-based transparent charging structure.
* Professionally qualified advisers.
* Specialist technical resource available to the adviser.
* High level of ongoing service tailored to the client