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Let us guide you through your financial life
Life goes on. You start work. You buy a house. You get married. You have children. They leave home. You retire! It is a long and winding road, and each of those life event – and others – necessitates a thorough review of your financial set-up.
That is why we value the long-term relationships that we build with our clients. Only by knowing your history and sharing a vision for your future can we really advise you from a position of knowledge. And only in that way can you talk to us candidly and trustingly.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same institution. Independent means that we can offer every kind of product from every institution.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 25 experienced advisers for the more obscure questions
- Access to every type of product from every lender – we are truly independent
- By your side all the way
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisers as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Meet your financial adviser
Dave Mills
Financial Adviser
As Principal of the business, Dave Mills has over 25 years’ experience in financial services, guiding clients towards achieving their financial goals. Specialising in pensions, investments and retirement planning, he works with clients to build, manage and protect their wealth throughout life’s journey. Whether you’re looking to grow your investments, plan for a comfortable retirement or make the most of your pension options, Dave provides clear, practical advice tailored to your individual goals. He believes in building long-term relationships and, offers comprehensive annual reviews to ensure financial plans continue to evolve alongside your changing needs, priorities and aspirations.
Outside of work, Dave is a dedicated season ticket holder at Brighton & Hove Albion and follows the Seagulls throughout the season. He is also a keen follower of most sports and likes spending time in the countryside, enjoying country walks and discovering traditional pubs. Dave shares his life with his partner, Jo, along with Drake, their Golden Retriever, and Ozzie and Ollie, their much-loved Pixie Bob cats.
"David was very informative and helpful throughout the process. I had not had anyone review my pension for many years, so it was great to finally have all the information I needed to make the decision to move my pension. I would highly recommend David."
Mary
FAQs
How do financial advisers charge for their services?
Advisors generally charge in one of three ways: a percentage fee of 1-3% based on the total value of the assets they manage for you. Or a fixed fee: a flat, one-off fee depending on the complexity of your financial plan. Or an hourly rate, billed for the time spent researching and drafting your customised plan. Your financial adviser should discuss and inform you off all fees before any work is undertaken. Generally, no charge is made for the initial meeting.
Are they Independent or Restricted?
Independent Financial Advisers (IFAs) have access to the entire market, allowing them to recommend products from any provider, whilst Restricted Advisors can only recommend products from a select panel of providers or specific product types.
What qualifications should I look for?
In the UK, you should look for advisors holding a Level 4 Diploma in Financial Planning (DipFP) or higher, such as the Advanced Diploma. Furthermore, use the FCA Financial Services Register to verify that the firm and individual are officially authorised to provide financial advice.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
Get in touch