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 therefore able to make arrangements to maximise the benefits to clients.
Clients seek our help to review their existing financial situation and reach a realistic assessment of their likely needs. This means that they need to set aside some time to talk to us. There is no charge for the first meeting, which can last as long as one hour. This gives the client an opportunity to find out if it's worth going ahead.
Depending on a client's instructions we will carry out a needs-analysis based on their current situation, and taking into account any specific plans and/or targets they may have, we are then able to advise clients on anything from a short-term financial objective to a lifetime financial plan, followed up with regular review meetings.
Clients receive professional advice about where their financial arrangements are already sufficient and where they are inadequate (or even not covered at all).
Clients also have our help to decide how much provision they need to make and the order of priority in dealing with their finances. It will, of course, all be sensibly balanced in relation to a clients' current income and prospects. In many 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.
The FSA do not regulate all products or services mentioned. You should remember that the value of some investments and the income from them may go down as well as up and they may not be guaranteed. The Financial Services Authority does not regulate loans or all forms of Mortgage. Your home may be repossessed if you do not keep up payments on your mortgage.
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daily quote:
“ Sound advice is a beacon, good teaching is a light, moral discipline a life-path. (The book of Proverbs) ”