We understand that if you’ve decided to work with a financial planner for the first time, you’ll probably have lots of questions. We’ve answered some of the more commonly asked questions below, but if there’s something we haven’t covered, don’t hesitate to get in touch.
We are happy to meet at a venue of your choice; at your home, place of work or at our meeting facilities in Horsham.
Yes, at our meeting facilities in Horsham.
No, we bear the cost of this meeting.
Nothing, the initial meeting is simply about getting to know each other and your story.
We recommend that you schedule an hour and a half.
No, in fact, we insist that you wait until you’ve received a detailed summary of the meeting from us, which includes the ‘next steps’.
Yes, we’re staunchly independent. By not being tied to any particular providers, we can recommend the most suitable products and providers to meet your financial goals.
Yes, we’re regulated by the Financial Conduct Authority (FCA). You can find us on the FCA Register here.
Yes, we can. We hold The Pension Transfer Gold Standard. For details, visit our ‘Accreditations’ page.
Any member of the team can assist with non-advice queries. However, even on holiday John is ‘in touch’ with matters and can assist with anything of a really urgent nature.
We insist that all clients have a financial plan and charge a flat fee of £2,000 (no VAT). We offer the guarantee that if, on reflection, you did not feel the process was of value, we will simply waive the fee.
We generally charge fees using a combination of both, depending on your circumstances and preferences.
We do not receive commissions from investment product providers, but when arranging insurance cover, insurance companies will still pay commission.
However, we always give our clients the choice of paying a fee versus us taking the commission. The fee route will usually save the clients thousands of pounds over the term of the policy.
No. HMRC class financial planning as ‘intermediation’ which does not currently attract VAT.