FAQs

Yes, we provide independent financial advice, which means we can recommend products from across the market rather than being tied to a limited range. We confirm the basis of our advice in writing as part of your recommendation.

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA). This means we must meet FCA standards for advice, conduct, and how we look after clients.

Yes, you can choose to meet in person or by video call, depending on what suits you. We can also mix meeting types over time if that is more convenient.

Face-to-face meetings are held at our office at 18 Commercial Road, Skelmanthorpe, HD8 0UR. If you prefer, we can meet by video call instead.

We do not currently have on-site parking at our office. There is free parking in the village, and we are building a car park in Spring 2026.

We have been providing financial advice since 2001. That experience helps us support clients through different life stages, including retirement.

We are based in Skelmanthorpe, Huddersfield, and we work with clients across the UK. Many clients are local, but you can work with us remotely if you live further away.

No, our financial advisers are not currently Chartered or Certified. We still follow a structured advice process and keep our knowledge up to date through ongoing professional development.

No, the firm does not hold Chartered status from the Chartered Insurance Institute (CII). We focus on delivering clear, regulated advice based on your goals and circumstances.

No, the firm does not hold Accredited status from the Chartered Institute for Securities and Investment (CISI). We focus on providing regulated advice and an ongoing review service where it is suitable for your needs.

Yes, you can read client reviews on our website, on VouchedFor, and on Google. We use these platforms so you can see feedback from people we have worked with.

We are a younger team, and we are building the firm for the long term, so we focus on continuity of advice through your retirement. We aim to be approachable and proactive, and to stay alongside clients rather than selling the business and moving on.

Our FCA registration number is 929868. You can use this number to find us on the Financial Services Register and confirm our permissions.

We work with clients across West Yorkshire and beyond, including Huddersfield, Wakefield, Barnsley, Leeds, Sheffield, York, and Manchester. We also support clients elsewhere in the UK through video and phone meetings.

You can book an initial meeting by sending a website enquiry, or by calling or emailing us. We will confirm a time and explain what to expect from the first conversation.

No, we do not charge for an initial meeting. It is a chance to discuss your situation and see whether our service is a good fit.

You do not need to bring anything to the initial meeting, just yourself. If you have paperwork or details of existing pensions, investments, or policies, it can help us understand your current arrangements.

In the first meeting we have a relaxed discussion about your circumstances and what you want to achieve. We will explain how we work and whether we can help, without you committing to anything.

Most initial meetings take between 30 minutes and one hour. We will keep it focused on your goals and any immediate questions you have.

No, you do not have to sign up to our services at the initial meeting. If you decide to proceed, we will explain the next steps and fees before any work begins.

We do not currently have a female financial adviser in the firm. If this is important to you, we will be upfront about it from the start so you can decide what feels right.

If your financial adviser is away, another financial adviser in our team can help with your query. We keep client notes up to date so someone else can pick things up quickly when needed.

You will hear from us at least once a year for a financial review, and we also share updates through our monthly newsletter. If something changes in between, let us know and we can review what it means for your plan.

Yes, we can include cashflow forecasting as part of our planning process. Forecasts are based on assumptions and are not guarantees, but they can help you understand different options and trade-offs.

If your circumstances change, tell us as soon as you can. We can review your plan and adjust recommendations where needed.

Yes, we can work alongside your accountant or solicitor where it helps your overall plan. With your permission, we will share relevant information and coordinate actions.

Yes, we can coordinate with your mortgage adviser if they need information from us. With your consent, we can provide relevant details to support the mortgage process.

If your adviser leaves the firm, you will have the option to work with another financial adviser here. We will explain any changes clearly and make sure you know who your main contact is.

Yes, we can show you an example of the type of financial plan we produce. Any example will be anonymised and is for illustration only. Your plan will reflect your own circumstances.

Yes, you will be able to view the value of your investments online through your chosen investment platform. Investment values can go down as well as up.

We do not provide our own client portal, but you can view your investments online through your investment platform. We can help you understand what you are seeing and how it links to your plan.

We normally meet at least once a year for a review. We can meet more often if you prefer, or if your circumstances and goals change.

No, we do not provide mortgage advice. We can still coordinate with your mortgage adviser where our planning information is relevant.

No, we do not advise on equity release. We can still help you plan around your retirement income, pensions, and investments.

Yes, we advise on personal pensions as part of your wider financial plan. Pension rules and tax treatment depend on your circumstances and can change.

Yes, we can advise on occupational pensions and how they fit with your other retirement arrangements. We will consider the options and features available within each scheme.

Yes, we can help you review and, where appropriate, consolidate multiple pensions into a simpler structure. Consolidation is not right for everyone and can involve giving up valuable benefits.

Yes, we can help you plan how to take pension benefits in a tax-efficient way, based on current rules. Tax treatment depends on your circumstances and tax rules can change.

Yes, we can help you invest in line with ethical or sustainable preferences, using the options available on your chosen platform. The value of investments can fall as well as rise.

Yes, we can help you invest an inheritance in a way that fits your goals, timeframe, and attitude to risk. The value of investments can fall as well as rise, and tax treatment depends on your circumstances.

Yes, we advise on Self-Invested Personal Pensions (SIPPs) where they fit your wider retirement plan. SIPPs involve investment risk and charges, and the tax treatment depends on your circumstances.

No, we do not advise on final salary or defined benefit pension transfers. We can still help you plan around your existing benefits and other retirement assets.

No, we do not provide advice on long-term care or later-life planning. We can focus on the areas we do cover, such as pensions, investments, and protection.

Yes, we can help with Inheritance Tax and estate planning as part of your overall financial plan. Tax rules are complex, depend on your circumstances, and can change, and we can work alongside your solicitor where legal work is needed.

Yes, we advise on investments such as ISAs and can help you use them alongside pensions and other savings. The value of investments can fall as well as rise.

Yes, we advise on protection such as life insurance, critical illness cover, and income replacement. We will explain the costs and features clearly, including if commission applies to a life policy.

Yes, the initial meeting is free. It is a chance to discuss your situation and explain how we work, with no obligation to proceed.

We charge an initial implementation fee of 1.5% of the assets you invest, and an ongoing fee of 0.75% for ongoing advice and reviews. We confirm all fees in writing before you proceed.

Our minimum fee is £2,500. If the percentage-based fee would be lower than this, the minimum applies and we will explain it upfront.

A financial plan typically costs £1,000. We will agree the scope and cost with you before we start any work.

For investment and pension implementation, we charge a percentage-based fee rather than a fixed fee. Our standard charges are 1.5% initially and 0.75% ongoing, with a £2,500 minimum.

Yes, we may receive commission from life insurance policies, and we do not take commission from investment products. If commission applies, we will tell you how much and how it affects the overall cost.

No, we do not charge VAT on our advice fees. We set out the full cost to you in your client agreement.

We aim to keep our fees below what is typical across the UK, but charges vary between firms and services. We will explain exactly what you get for the fee so you can compare like for like.

Our standard fees are set below what we understand to be the UK average for similar services. The best way to compare is to look at total costs and what is included in the ongoing service.

You can find our fees on our website and in our client agreement. We will also talk you through them before you decide to go ahead.

Yes, we can help you explore what retiring early could look like and the steps needed to make it sustainable. Plans and outcomes depend on your circumstances, and investment values can go down as well as up.

Yes, we help clients plan for retirement, including how to build, invest, and draw an income from pensions and savings. Investment values can go down as well as up, and we keep the plan under review over time.

We typically work with business owners, higher earners, retirees, and people dealing with unexpected life events. Our planning approach can be adapted to different goals, from building wealth to taking an income.

Yes, we work with younger clients who are building wealth, including the children and grandchildren of existing clients. We can help with longer-term planning, saving, and investing in a way that matches their time horizon and attitude to risk.

Yes, we work with company directors and self-employed clients. We can help integrate pensions, investments, and protection with the way you receive and manage your income.

Yes, we work with clients approaching retirement and those already retired. We help with both the build-up stage and drawing an income in retirement.

Yes, we can help if you have inherited money. We will look at your goals, timescales, and tax allowances before recommending how to hold or invest it.

Yes, we can help if you have sold, or are selling, a business. We can help you plan how to invest proceeds and manage tax considerations, based on your circumstances.

Yes, we can help you manage your finances after a bereavement. We take things at a pace that suits you and help you understand your options for any inherited assets and ongoing commitments.

We work with business owners, retirees, and professionals, and we do not focus on only one group. We start with your goals and build a plan around them.

No, we do not offer financial advice for expats or non-UK residents. Our advice is focused on UK residents and UK-regulated products.

Yes, we can help even if you already have investments or pensions elsewhere. We will review what you have and explain your options in the context of your goals.

No, there is no minimum level of investable assets or income to become a client. We will confirm whether we can help based on the complexity of your needs and the value you would get from advice.

FSCS protection may apply to some of the products we recommend, but the level of cover depends on the type of product and the firm providing it. We explain what protection applies to your arrangements as part of your recommendation.

If you have a complaint, the first step is to contact us so we can investigate and try to put things right. We will follow our formal complaints process and confirm your options if you are not satisfied with the outcome.

We take data security seriously and are Cyber Essentials certified. We also use an external IT company to monitor and support our systems.

We take data security seriously and are Cyber Essentials certified. We also use an external IT company to monitor and support our systems.

Yes, we are insured to give financial advice. This includes professional indemnity cover, which is a standard safeguard for regulated advice firms.

You can check our authorisation on the Financial Services Register by searching our name or our FCA number. This shows our regulatory status and the permissions we hold.

No, we do not currently publish client stories or case studies. You can still see feedback through the client reviews we share on our website and on independent review platforms.

We measure client satisfaction using client surveys. The feedback helps us improve our service and communication.

Yes, we have been rated Top Rated on VouchedFor for three years in a row. This is based on client reviews on that platform.

Yes, we are featured on Vouchedfor. You can view our profile to see verified client reviews and our rating history