The benefits & importance of independent financial advice

The benefits & importance of independent financial advice

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The big advantage of taking independent financial advice is that you will have access to all the products in the market through a qualified practitioner. Taking independent financial advice will provide you with access, through a qualified professional, to all of the investment, pension and insurance options currently available.

As Independent and Chartered Financial Planners we offer unbiased and unrestricted independent financial advice, recommending the most suitable solutions and products having researched the whole market.

So it’s a very simple choice for you to make…

Let us put ourselves in your shoes; use what we learn about you and your family, combine it with our extensive knowledge, expertise and experience to ensure you receive the best advice possible. The result will be advice that is free from any constraints, in its most pure and unbiased form.

We will always ensure the products recommended are suitable for you. When advising you on regulated products (including investments, insurance and some forms of mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).

If you are unhappy about the advice or service you have received from any financial adviser you should firstly contact the firm that provided the advice or service. This gives them the chance to put things right and/or to provide their own version of events. Should you remain dissatisfied you may be entitled to refer your complaint to the FOS who will investigate the complaint independently and make a ruling.

The FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm. Full details of how to contact the FOS together with information about how to complain are available from their website – www.financial-ombudsman.org.uk or by telephoning 0800 023 4 567.

If you try to submit a complaint to a firm and the firm is dissolved, or unable to meet its obligations, you may have recourse to the FSCS – www.fscs.org.uk. This service is funded by levies on firms that are authorised by the Financial Conduct Authority (FCA) to protect customers where firms have closed or gone into liquidation – www.fca.org.uk/register

Some financial advisers do give advice on products that are not regulated by FCA – such as general taxation and some Buy-to-Let mortgages. We would always explain this to you should we provide advice on an unregulated product. It is very important that you are happy with such advice as you may not have the added protection of the FOS or FSCS when dealing with some unregulated products.

What Our Clients Think

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I contacted Stephen because I was selling my business. Stephen has been looking after my financial portfolio since selling my business in 2009, with twice yearly reviews which he always works around my diary no matter where I am. Over the years Stephen has provided me with excellent advice, always taking into consideration my likes/dislikes about certain financial products and provides me with alternative ideas. He’s recently reviewed my various pensions and amalagmated them into one. Stephen always gives me great comfort in knowing my financial portfolio is on track for my retirement. I am...

Jane Walsh, Hapton, Lancashire

I know Steve as I am a solicitor working with mutual clients. I am aware of his advice on financial & Tax planning. His depth of knowledge gives his clients and me as a referrer great confidence in his abilities. His understanding of a client’s needs and the approach he takes is invaluable to those he advises. I have no hesitation to recommending him to my clients.

Mr. Chris Beames, Senior Partner, Private Clients at Berry Smith LLP

Thank you very much to you and Richard for your help, which has been really useful. I am very happy with the outcome so far. I will be sure to get back in touch as soon I’m in a position to do some work developing my financial plan more broadly. I will also be sure to mention Create Wealth to my colleagues and other friends who are interested in getting the kind of assistance you can provide. Thank you once again

Fay Walker, Ernst & Young, London

Stephen understands our needs and listens carefully to our preferences. He is reassuring about complicated procedures. He never tries to push a product or influence us beyond advice. He has been very sympathetic and a good friend in our difficult circumstances since my husband’s Alzheimer’s diagnosis. Needing help with care costs and helping with funds for grandchildren. Help from Stephen has been reassuring and secured the financial situation.

Susan & Jim Fisher, Cardiff

I have known Stephen for many years and have always valued his time and guidance when helping me with my financial planning, investment planning and advice. I am someone who always seems to be on his way to a meeting or to catch a plane. Stephen and the team at Create Wealth Management have always been able to accommodate me and have taken time to fully understand my personal needs and objectives whilst always explaining complex topics in terms I understand. In tailoring their service for me, they help me look after the most important things to me; my family’s enjoyment of life, the ability...

Philip Wagstaff, Sunningdale

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