Most experts suggest that at least once a year is sensible to ensure your investments are in line with your risk profile. There are often budget changes that will add or remove tax allowances – it is important to review these regularly to make sure you don't miss out.
As well as providing an initial recommendation, we can also offer a regular review. This might be an annual review to check the value of your investments and consider any changes to your circumstances, checking your risk profile, make sure you are not missing tax saving opportunities, improving the tax effectiveness of your portfolio etc.
We will explain what we consider your risk profile to be and how each recommendation or product fits in with this. We use specialist tools and detailed conversation to assess this for each client. If you think you are prepared to take more or less risk than we suggest, please ask us to explain how
We will outline to you the process that we use to decide how to advise you and what to recommend to you. We will ask questions about your current provision, your circumstances, plans, goals, attitude to risk, and any expected changes. Our advice does not necessarily lead to a product sale. Our role is to
It is important to understand what fees and charges you will pay for advice and when you will be expected to pay. We will agree with you how you will pay for the advice you receive. We will often give you the option of whether the fee can be taken from your initial investment rather
Financial advisers can offer ‘Independent' advice, where they can consider products and providers from the whole market or ‘restricted' advice, which is limited to certain products, providers or both. All of our advisers offer Independent advice from the "whole of market”.
The FCA has increased the minimum standards of qualification that financial advisers have to meet to ensure their knowledge is up to date. Advisers now have to be qualified at Level 4 or above of the Qualifications and Credit Framework (equivalent to the first year of a university degree). Professional advisers also need to obtain
We are regulated and approved by the FCA, and you can check the Register to ensure we are. If you use an adviser that is not approved by the FCA, you will not have access to the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS) if things go wrong. Our FCA registered number
There is a mis-conception that financial advisers are only for the wealthy. However, they are there to guide you through all your changing circumstances throughout your life. As circumstances and lifestyles change so do your financial needs and objectives. It doesn't matter how much money you do or do not have, with correct financial advice
