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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Create Wealth took time to understand my individual situation with the outcome of me feeling in control of my investments for the first time. I really appreciate the knowledge and guidance they gave me in setting up my Pension Plan and their regular review will offer me peace of mind that my financial future on stays on track.

Mrs T Truman, Woolaston, Gloucestershire

Thank you Create Wealth especially Peter. You have patiently guided me in the right direction as to obtaining the best outcome for my fairly meagre self employed pensions and I am very pleased with the results. I would certainly recommend your services.

Mr D Walters, Bristol

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

Peter, thank you so much for your time and excellent advice this morning. I really appreciate it.

Mrs H, Pembrokeshire

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 2.5 years has proven to be very beneficial to us. Advice in this field can be very daunting to the layman, but Stephen is always prepared to bring it to our level to help explain it fully.

Mal Boundy, Melksham

Create Wealth