The benefits & importance of independent financial advice

The benefits & importance of independent financial advice

Back To Services Page

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

See All Testimonials

I have known Peter Davies for many years, from the first time I met him 10 years ago when he was at Lloyds Private Banking looking after my money, to now at Create Wealth Management. He has never been less than scrupulous and helpful in managing my affairs and we have built up what I believe is a friendly personal relationship Now I am in a care home and faced with the complexities of sorting out my funding and Peter has been unfailingly helpful and encouraging and if does come to a satisfactory conclusion it will in no small part be due to Peter’s knowhow and advice .

Mrs S Morris, Pembroke

The first time I have had money made for me that I have not to pay huge fees to obtain. When other advisers phone I just tell them that I am with Create Wealth they just say that ‘you are with a very good firm’ and that gives me a lot of confidence.

Mr J. Colin Jones, Caerphilly

We met Stephen before selling our company and became clients. Stephen has always set aside time for myself and my wife to review our options on investments. We never feel rushed into decisions. His advice over the last two and a half years has proven to be very beneficial to us. Advice in this field can be very daunting to the layman, but Stephen is prepared to bring it to our level with diagrams and sketches to explain it fully. We have an ongoing agreement for getting advice from Stephen, through both good and bad times with the markets. We are still extremely happy with the advice that w...

Malcolm & Lesley Boundy, Melksham

Responded quickly to my query and gave clear and honest advice, being transparent as to whether any further value could be added over and above what I was already doing.

Ms. Jane Rees, Worcester

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

Create Wealth