We are Independent Financial Advisers - IFAs.  Founded in 2001.

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We are members of a network of advisers, called In Partnership, which is authorised and regulated by the Financial Conduct Authority (FCA).  We act as Independent Financial Advisers and this status brings with it a duty of care to act in the best interests of our clients.  We are not agents for selling insurance company or bank products, nor are we tied to any particular company.  Our first goal is to understand your needs, we then consider your existing provisions and if appropriate, we then seek to recommend retail investment products from the whole of market.

 

Decisions about your financial future are amongst the most important you will ever make.  We are fully aware that you can obtain instant information from Google (other search engines are available) and there are now low cost on-line solutions driven by computers - "robo advisers" - providing relatively simple one-size-fits-all solutions.  However, we don't believe that Google or a robot can really get to know you and your needs and ultimately, we believe value for money is more important than simply seeking low cost.  Our experience is that you normally get what you pay for.

 

So what makes us different?

 

We (admittedly with the help of computers and sometimes even Google) provide a tailored service to our clients.  We know that having a carefully tailored and managed financial plan in place will help you achieve your goals.  This will make you better prepared to deal with whatever the future holds.  That will make you feel better about all sorts of things in life.  

 

Whether you are young (lucky you) and aiming to grow your wealth, or perhaps you are now ready to take a well-earned retirement (lucky you), or perhaps you want to plan to provide for your beneficiaries (lucky them), we can and will help you understand your options and recommend what's best for you and those people that are important to you.

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For our clients we aim to provide a friendly approachable service focused on:

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Genuine Client Suitability

Management of Client Expectations

A Robust and Repeatable Investment Management Service

Choice and Flexibility

Transparency and Value for Money

 

Our own ongoing advice charge is between 0.5% p.a. (£50 for every £10,000 invested) and 0.75% p.a. (£75 for every £10,000 invested) of your investment value.  In addition, there will be other ongoing charges as you will need a home for your money (e.g. a pension provider or investment platform) with a typical charge in the region of 0.2% p.a. (£20 for every £10,000 invested).   You will want to try make your money grow, so you will need to invest it.  The funds will have a typical charge in the region of 0.75% p.a.  (£75 for every £10,000 invested).  One of our main aims is of course to try and help you make more than the charges you are paying out, but this cannot be guaranteed as investments go down as well as up and you may get back less than you put in - there's your first two Risk Warnings and there's plenty more where these came from!

 

Initial set-up fees apply in addition - these maybe up to a maximum 3% of the initial investment value.

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Our advisers are registered and authorised with the FCA, so you can be confident your affairs are in capable, well qualified and experienced hands. Our clients really appreciate the benefits of a close working relationship with a relatively small team.

 

We work closely with our clients and our business is generated by word of mouth.  We also work with other professional advisers such as accountants, solicitors, insurance brokers and stockbrokers and are able to offer introductions to them if required.

 

Each client is different, so we offer different levels of service and you can choose to have as much or as little involvement as you desire.  Speak to our friendly office on 01245 329333 - we promise you will not need to select keypad options, be passed around the UK or be placed on hold for longer than it takes to transfer a call to the best person to assist with your call!

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To find out if we are right for you and so that we can find out if you are right for us, we will offer you a 'getting to know each other' meeting at our expense and without obligation.  Think of it as a first date; if you don't like us, drop us a "sorry it's not you it's me" text...

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Remember too, that we are always seeking to improve how we do things and evolve for the better, so when you know us well enough, feel free to offer us some advice too!