How we work
As Independent Financial Advisers, we are free to advise on financial products available from all product providers. Please note for protection products we work from a selected panel of providers. We are able to give advice to help you solve your financial planning problems and maximise your opportunities.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all). You'll also have our help to decide how much provision you need to make.
All our proposals will be fully explained and costed so that you’ll know exactly what and why before you agree to anything.
For General Insurance products we would refer you to our sister company, FLS (General), who can arrange general insurance for personal and commercial needs via many different insurers for all your normal requirements plus unusual or difficult to place cover such as timber frame or thatched homes, classic vehicles, or commercial property, professional indemnity and more.
Quotes with details of cover and our Terms of Business sent prior to committing to go cover.
