|
If you’re seeking reliable financial advice, contact us for a
free consultation and financial health check. |
|
We are a small organisation of independent financial advisers whose financial services skills work for you to make the best use of your cash. We cover Lincolnshire and Yorkshire from our office near Gainsborough and provide reliable impartial financial advice using independent financial planning techniques to create your personalised finance plan.
Use These Link Headings For
Instant Access To Your Preferred Topic
|
|
|
Good money management can be attained from reliable
financial advice, but knowing where to find it can be problematic. You may turn to friends or family, or to
your bank or a product provider. Taking that first step and deciding the best
financial advice options to use can be the most difficult part.
Understanding the real meaning of independent financial advice and
the concept of independent financial planning will equip you to take the upper
hand to get reliable financial advice. We recognise that consumers can get the
wrong idea or be baffled in the midst of unfamiliar financial jargon.
We are going to even up the odds for you with some dependable
information so that you can seize the initiative with clarity and take control
of your finances without being distracted or nudged off course. Knowing what is
reliable and appreciating the difference between options allows you to gain
full advantage and exercise your due entitlement of an informed free choice. Utilise
this guide and get reliable financial advice by discovering the full extent and
implications of your alternative financial options.
A good time to look for reliable advice could be when you are
starting your first job, getting married, thinking of buying a house, starting
a family, saving for your children’s education or planning for retirement – a
wise move is to implement a strategy for each or all of these goals in keeping
with your means. This is where we come in.
We guide you and help to crystallize your ideas. Since we believe it is
never too early or too late to start, why not begin now to either
start or review your existing financial plans and contact us and we will
certainly try to find the best all round solution for you.
The meaning of independent as applied in the
financial sense is paramount. The reason is that all independent financial
advisers act with complete freedom across the whole of the UK financial market
place without the constraint of being commercially tied or influenced to
recommend any particular financial products.
We work for you as independent financial advisers and
provide sound up-to-date financial advice to individuals or
businesses. We recommend suitable financial products from the whole of the UK
market to optimise your cash. You can
rely upon the finance plan we produce which is strengthened by 17 years of
professional practical experience. We meet strict qualification and competence
standards and are authorised to practice and regulated by the Financial
Services Authority or FSA.
Our financial advice skills include
- wealth management, assets
protection, health insurance, retirement planning, portfolio planning,
taxation, discretionary fund management, inheritance tax planning, investment
bonds, national savings, ISA’s, education fees planning, personal pension
plans, equity release, fixed interest, commercial property and life insurance.
Consider other
options with care since they are not like with
like alternatives. Your choices are known as tied advisers or multi tied
advisers. They both work for banks, building societies and insurance companies
etc; and are commercially tied to sell the products of the company who employs
them.
Although tied advisers are alternatives - they are not a ‘ like
with like’ comparison to independent financial advisers. The difference becomes
apparent when comparing what independent financial advisers and tied advisers
actually do as opposed to what the titles indicate. What independent financial
advisers do is to offer and provide financial advice as a service. What tied
advisers do is to sell the financial products of their employer. The use of the word ‘advisers’ obscures the
real function of tied advisers and gives the wrong impression.
Knowing what is reliable and appreciating the difference between
options allows you consider and exercise your due entitlement of an informed
choice. Utilise
this guide and get reliable financial advice by discovering the full extent and
implications of your alternative financial options.
Independent financial advisers like us, do check the whole total financial market
place. The big advantage being that you have access to all the products on the
market through a qualified practitioner. You will lose this benefit with other
options. Bear in mind we do provide access to all the many otherwise excluded
products since tied advisers only cover a minor proportion of the total market.
Since we examine all
available products, our searches will include those products sold by tied
and/or multi-tied advisers too. Thus we
are able to provide even-handed all round, one stop coverage. Visit the
next page for a fuller explanation to enable you to readily distinguish between
your financial advice options.
Free consultation and financial health check means
that no payment is required for our introductory meeting. Use this link to
select your preferred way of contacting us - phone, Email, letter. You benefit by knowing where you stand
from the outset and can freely discuss your thoughts and expectations in
confidence when we first meet in the absence of any added monetary pressures.
Our
costs present
several alternatives for you because we are obliged by our regulators the FSA,
to hand you a list of our charges to disclose how much we will earn from any
transaction with freedom to select your preferred choice of payment. Any subsequent agreement between us can
either be paid for by a fee, indirectly through commission, or from a mix of
both.
In the
event that we proceed to act on your behalf, we have to provide written reasons
why particular products or a certain course of action has been recommended.
We operate an independent financial planning service in the UK throughout Lincolnshire
and Yorkshire. We are based near Gainsborough near the small towns of Kirton in
Lindsey, Brigg and Market Rasen. Some key towns include Hull, Grimsby,
Scunthorpe, Gainsborough, Lincoln, Harrogate, Leeds, York, Skipton, Wetherby,
Sheffield, Caistor and Louth.
A change in your circumstances can
occur over time to warrant a review or amendment to previous financial plans
you may have made. Or you could be just beginning to make financial
preparations for the future. Also a useful tip is to keep up to date with new
or revised financial products or conditions that can evolve over time. Every situation is unique so why
not discuss your thoughts about financial advice with us in confidence and send
an Email to arrange for us to visit you - or contact us with any questions.
The
purpose of independent financial planning is to achieve efficient use of your
cash and clarify your objectives. The procedure
means that we have to determine what percentage of the available income is
necessary say – when taking into account the tax liabilities, expected
inflation, and projected return on investment – in order to meet a minimum
balance for the client’s target date.
Crucially, we analyse asset allocation: which is determining how to
maximise the return on investment while satisfying the client’s risk tolerance.
Any
planning process will involve a statement of intent, a means of communication
and serve as a basis for control. In keeping with these principles, the
finance plan we provide is an indispensable means of communication and permits
comparison of illustrated expectations to actual results so that corrective
action or revisions can be put in hand.
You will find it useful
to have the reference documentation we provide to clarify your intentions at a
particular time. Circumstances do
change, and the effect of, or cash benefits from different situations are more
readily appreciated by having a known start and end point.
As independent financial advisers, we cover a wide range of
money matters and utilise our advisory skills on such issues as savings,
investment, pension and retirement plans, life and health protection, planning
for inheritance tax and mortgages. If
you missed it earlier on this page we put a full listing of our financial
consulting skills - read about all the financial services we provide.
Getting reliable advice will enable you to pinpoint
the most suitable products to fit your circumstances from the 30,000 financial
products available. This huge variety makes it almost impossible without
professional financial advice and resources to select your most appropriate
match. Hence you have little chance on
your own to optimise the use of your cash.
We
urge you to be cautious in selecting a starting point since
your options are not like with like alternatives. To
help you choose the most suitable path for your needs, read
again about your clarified advice choices that we mentioned earlier on this
page.
As we said previously, it is common, for consumers to think that
they are getting reliable independent financial advice when they are actually
talking to a tied adviser, or bank sales staff who are allowed only to sell
their own company’s products. In effect these latter two tied advisers by
definition prevent access to a much wider range of financial products.
To sum up, since we examine all available products,
our searches will therefore also include those products sold by tied and/or
multi -tied advisers too. This means that in addition to personalised advice, a
consumer will have the total market place checked by choosing independent
financial advisers but will lose this benefit with other options. Protect your
entitlement to reliable financial advice by learning to distinguish between
your options and optimise your cash. Alternatively contact us and we will
answer any queries for you.
Alternatively get
financial advice and send Email to:-
advice@independent-financial-planning.co.uk
For webmasters - go to
this supplementary page to exchange reciprocal links with us
We listen
carefully to everyone who contacts us and we
look forward to hearing from you during 2008.
Useful Links
Financial
We include some external links about the
financial industry in the UK. We are
not endorsed by nor do we have trading links with any of these commercial
organisations or statutory bodies.
|
|
The Financial Services Authority The
FINANCIAL SERVICES AUTHORITY - Building financial capability in the UK |
|
|
Independent Financial Adviser [ IFA]
Find
details of independent financial advisers close to where you live or work
from around 9,000 IFA locations UK-wide
|
|
|
Money Matters - UK
independent financial advisers and mortgage brokers. You have worked hard for
your money. Let us help you to make it work for you. |
Authorised and regulated by the Financial Services Authority
We are a
small organisation of UK independent financial advisers whose financial
services skills work for you to make the best use of your cash. We cover
Lincolnshire and Yorkshire from our office near Gainsborough providing reliable
impartial financial advice using independent financial planning techniques to
create your personalised finance plan.