Unbiased Financial Advice - The Financial Surgery
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Quality - talk to a Chartered Financial Planner.Simplicity - independent, unbiased financial advice.
Affordability - low cost, telephone-based service.
At Investor Profile we understand that sometimes you just want a little financial advice. Someone to talk to on the phone and run your ideas by or an expert that will answer your questions.
Investor Profile's Financial Surgery offers you the opportunity to gain easy access to high quality financial advice in a way that keeps you in control.
Because our sessions are fee-based and you may only need to speak to us once, we have no motivation other than to be as helpful as we possibly can.
Importantly we believe this will keep your costs down to as much as 10% of what it would normally cost to speak to a Chartered Financial Planner!
To book your appointment today please
Call us on 01604 211234 or Book Online >>
The Financial Surgery Who Will Advise Me? How it works What we advise on What it costs
Financial Advice from a Financial Adviser
When people need financial advice the normal process is to speak to a financial adviser. This type of professional adviser will often have the expertise and experience to deal with most financial and investment planning related matters.
However there lies an important conflict of interest with seeking advice in this way.
An adviser who charges commission can only make money by selling a product. A client who seeks advice wants just that, advice, and not necessarily a product.
This awkward situation can lead to unsuitable, biased advice and ultimately could end up with a client taking out a product they did not necessarily require.
How can you ever be sure that you are getting the very best and most suitable advice, and not merely being sold a product that pays the most commission? The honest answer is that you can't be sure.
Commissions paid to a financial adviser are funded by the management charges taken from the premiums a client pays in to their product. That is, the client pays for this commission by simply paying more for their product, be that an ISA, Pension, Life Insurance contract or whatever.
Commissions paid to a financial adviser are typically in the region of £500-£2,000 and sometimes much more.
What is more, there is a further annual payment made to the financial adviser for as long as the client holds that product. So for example a £10,000 ISA will pay the adviser around £50 each and every year for as long as it is held by the client. Over time this can really add up.
So what seems like free advice at the outset can quickly turn in to quite an expensive arrangement.
Financial Advice from a Certified Financial PlannerCM
A Certified Financial PlannerCM will often take a much different approach. Being a member of the Institute of Financial Planning compels this type of adviser, often referred to as a financial planner, to a higher level of standards and ethics.
This type of adviser is trained to consider your overall circumstances, needs and future goals before starting to make any recommendations.
Furthermore, a financial planner will often consider what is best for their client without the need to consider plugging gaps with products.
In this way it is possible to gain high quality financial advice. A financial planner will often charge fees for their work. This serves an important purpose.
By charging fees they are eliminating any possibility of bias towards making product recommendations. As they are being paid regardless of what they recommend the client can be certain they will be provided with suitable advice.
However this high quality nature of advice does come at a price. Typical fees payable to a financial planner are in the region of £2,500 with a regular fee payable for ongoing work/reviews.
Financial Advice from Investor Profile
Investor Profile has developed a system whereby you can access high quality independent financial advice from a Certified Financial PlannerCM but at a cost that suits you.
The Financial Surgery is set up so that you can access our service for the smallest of queries or for more comprehensive financial planning requirements.
We have broken down the financial plannig process so that you can choose what you pay for according to your needs.
This way the cost of accessing quality financial advice is much reduced.
If you have a relatively straightforward query we might be able to resolve this for you at no cost. If you wish to book a session to discuss your requirements or concerns then all it will cost is the price of one single session (£40).
If you wish to undertake a more comprehensive review of your financial and investment planning requiremnrts then we can easily do this.
Even if it takes 5 or 10 sessions to get you to where you want to be you will still have only spent a fraction of what it might normally cost to go to a financial adviser or financial planner.
Because our service is telephone-based we can speak to you about your financial planning needs regardless of whether you are searching for a financial adviser in Northampton, MIlton Keynes, Leicester, or anywhere else in the UK.
So please feel free to
Call us on 01604 211234 or Book Online >>
We look forward to working with you to achieve your goals.
