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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After selling our Homecare business we felt we needed sound advice on where to invest, we wanted to speak to someone who we could feel comfortable with and who would understand our needs. After some searching we were pointed in the direction of Create Wealth and in particular Stephen Ng. We immediately felt comfortable with Stephen and he fully understood our fears and our needs. He guided us through all our options, explaining everything in detail. He encouraged us to ask as many questions as needed. When the time came Stephen also helped with dealing with my private pensions, even though ...

Mrs Denise Wells, York

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

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

We value Stephen’s opinions greatly. He has a thorough understanding of our needs and requirements on all financial matters. Over the years, Create Wealth have advised and assisted us on mortgages that suited our situation along with expert advice on life policies and pensions. I have always felt that my interests were their priority.

Mr. T. J. Astle, Fleet, Hants

Stephen is one of the few IFA’s who truly offers unbiased advice. He is a good listener and sees it as a strength to double check on issues he isn’t 100% sure of. I am a firm believer that good advice is advice worth paying for. Most people think they know about financial issues or what is best for them and their money. The reality is, in my view, far different and means that many act too quickly or on impulse when making serious financial decisions. As an industry, financial services has been justifiably tarnished with the wrong brush. As such, it is important to seek out a competent and h...

Mr. G.O. Jones, Bristol

Create Wealth