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 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, taking into account any specific plans and targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan. You will also be given the opportunity to have your plan reviewed regularly. Alternatively, you may know what you are looking for and just require our help to secure the best deal. Our services are tailored to your requirements, so you only pay for what you need. We offer a choice of payment methods and services, so you can have exactly what you want.
You can choose to receive professional advice regarding your existing financial arrangements to ensure they remain suitable for your requirements.
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 the exact reasons for our recommendations before you agree to anything.
Purchasing Directly From This Site
Alternatively, you may decide that you wish to purchase a product without advice. You can do this from the On-Line Services section on our website. As these products are purchased from a third party link, all the necessary risk warnings should be contained within the links to this website. Furthermore, should you purchase a product you should be able to view and print off the relevant Key Features document. You should refer to the important risk factors, committments, charges, taxation and cancellation rights within this document.
Should you use the links on this site to transfer an existing PEP or ISA to another provider, you should be aware of any exit penalties imposed and also that there is the potential for loss of income/growth, following a rise in the markets, whilst the transfer remains pending.
Similarly, should you use the links on this site to purchase an investment bond, you will be doing so without advice and you should therefore ensure that you are fully aware of any discontinuance penalties and, in the event of a With Profits investment, Market Value Reductions. You should also be aware that for With Profits, the return on the investment depends on the profits made by the life office and on its policy as to their distribution.
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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) ”