ADVICE
With your personalised Financial Plan as your roadmap, we'll guide you every step of the way. We'll start by optimizing your current finances, ensuring every pound works hard to achieve your goals. Then, our expert team will scour the whole of the market to find the perfect products, platforms and investments tailored to your unique plan.
Review
Is Your Money Working as Hard as You Are?
We'll start with a meticulous, independent review of your existing financial products, platforms and investments. This includes a deep dive into your:
- Existing policies: Are your pensions, investments, and insurance policies still the best fit for your current needs and goals?
- Fund choices and performance: Are your investments delivering the returns you expect? Are there hidden fees or better-performing alternatives?
- Premiums, charges, and values: Are you getting the most value for your money? We'll identify any areas where you could be saving.
Research & Analysis
Uncovering the Best Opportunities for You
We believe in leaving no stone unturned when it comes to finding the perfect financial solutions for you. Our independent, whole-of-market research spans a vast universe of options:
- Over 9,000 products: We analyze thousands of life, protection, pension, and investment products to find the ones that perfectly match your needs.
- Over 16,500 investment funds: We scour the market for the best-performing funds, considering your risk profile and financial goals.
- 200+ DFM propositions and 1,400+ managed portfolios: We explore a wide range of discretionary fund management options to find the ideal fit for your investment strategy.
- 55+ platforms: We compare leading investment platforms to ensure you benefit from the most efficient and cost-effective solutions.
FCA-regulated Independent Advice
There are many different ways and areas that Independent Financial Advisers (IFA's) show how they are adding value through their clients’ financial journeys. Below we have summarised the key areas in which we add value to our clients and their families :
Our experience
We have many years of experience in dealing with the ups and downs of financial life – we are there for our clients when they retire or receive a windfall. We can help with a business sale, planning a legacy or receiving an inheritance. It is good to be able to talk to someone who has been through it before – that is what we are here for.
Coaching behaviours
Humans have evolved to survive over many thousands of years. Unfortunately, we have also learned some bad habits and biases in the process. Many of them we are not even aware of. We buy high and sell low, we value the near-term more than the long-term, we hold onto investments that have fallen, we believe information that reinforces our own views. Part of our role is to act as a coach – helping our clients to avoid these mistakes and guide them to a better future.
Expertise and qualifications
We have built our expertise over many years. We are regulated by the Financial Conduct Authority (FCA). We are required to have a Statement of Professional Standing (SPS) issued by an independent professional standards body. And we are required to maintain minimum standards and conduct regular Continuing Professional Development (CPD). Keeping up to date with all financial matters allows us to give our clients the best possible advice.
Making the complex simple
We are experienced and well qualified and never forget whose money we are looking after. The simpler we can make our clients’ plans the more likely they are to stick to them – and that is a key measure of their success. We also help reduce our clients’ paperwork – we will help them understand what they need to file, manage application forms and service enquires, provide valuations and updates. We can make sure clients keep the important things and bin the spam!
Financial Services Compensation Scheme (FSCS) and PI insurance cover
We look at how best to maximise our clients' protection under the Financial Services Compensation scheme (FSCS) – so investments are “safer”.