Frequently Asked Questions
In this section we have collated some of the most frequently asked questions we receive from prospective clients. If you have a question that is not listed here, please do not hesitate to get in touch via our contact page.
What does a Financial Adviser do?
A Financial Adviser helps you to make informed decisions about your money. This can include saving, investing, planning for retirement, protecting your family or organising your overall financial plan.
More details of our services can be found across this site.
How will a Financial Adviser help me personally?
We take time to understand your goals, your concerns, and your financial situation. Then we provide clear, personalised advice designed to help you reach those goals.
Is your advice regulated?
Yes. All financial advisers must be authorised and regulated by the Financial Conduct Authority (FCA), which helps to ensure you receive advice that is fair, transparent and in your best interests.
You can find our entry on the FCA register here.
What is the difference between an Independent Financial Adviser (IFA) and a Restricted Adviser?
An Independent Financial Adviser can recommend financial products and solutions from the whole of the market. This means that they can look at all providers and all types of products before giving advice.
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A Restricted Adviser can only recommend products from a limited selection. This might mean that they only use certain providers, specialise in certain products or work within a firm that uses a set panel of options.
Is there a fee for an initial meeting?
Your first consultation with us will be completely free of charge, without obligation. This can take place either at our office, in the comfort of your own home or online via a video call.
How do you charge for your services?
The fees involved are very much dependent upon the work involved. Upon analysing your situation and clarifying your needs, we will clearly outline the work to be undertaken, and the fees involved for doing so. You can then decide if you wish to proceed on this basis.
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Any charges can generally be paid either by fee (by way of an invoice) or from any funds that are invested.
How often will we review my plan?
Most clients review their plan once a year but if there is a change of circumstances or a life event to consider, then your plan will need to be reviewed at this point in time (no matter when the last review was carried out).
Do you receive fees from the providers and funds that you recommend?
The only fees that we receive are those agreed with and paid by you. You can opt for these to be paid from your invested funds, if you so wish. You can therefore be confident that the recommendation is made solely because it is appropriate for you.