We are delighted and proud to offer a fully independent financial and investment planning service and we advise upon all aspects of clients’ financial affairs. The Company also offers an Accountancy and Taxation service along with a Will Writing, Trusts, Estates and Probate Department.

 

The Company is authorised and regulated by the Financial Conduct Authority (FCA) and is one of the largest and longest established Independent Financial Advisers in North Devon. We are regulated in one of the strictest available categories, being one of a very few authorised to undertake discretionary investment management and to hold client money. Consequently, we are required to maintain sizeable and very strict financial resources at all times. The Company’s accounts are subject to thorough independent audit and full accounts are published and submitted to the FCA. Also, the Financial Ombudsman Service and Financial Services’ Compensation Scheme apply to enhance investor protection against financial loss.

 

With four decades’ experience, we also boast some of the highest financial services’ qualifications in the country. Staff are encouraged and sponsored to achieve qualifications beyond the industry standard to ensure that we continue to deliver an excellent service to clients.

 

Success can be attributed largely to the Company’s commitment to clients and an approach which is renowned for a caring and sympathetic approach to their needs. This includes ongoing assessment and management of investments, a thorough understanding of financial markets and prudent management with long-term financial stability, using some very diversified strategies to optimise risk mitigation whilst not missing opportunities too.

 

We do not simply “sell products” – we provide a comprehensive and long-lasting service to individuals and their families. This is an important distinction and an approach that is becoming rarer in today’s fast-moving landscape.

 

This has led to many clients recommending family and friends to seek our advice – the ultimate endorsement of the quality of our services.

 

Review Service

Unlike many advisers and wealth managers, for our already competitive annual management fee we are also proud in offering clients a complimentary regular review of all funds under our management. This is to ensure that the investments continue to represent what clients need at the respective times. That review service can cost percentage-based charges elsewhere, on top of the adviser’s/manager’s ordinary charges. So essentially, for your annual management fee, not only are you able to access our expertise, wonderful investment opportunities and unique investment management capabilities, you also have the ability to seek a review of those investments each and every year. This is another significant advantage of using our management services.

 

Instruction-only Services

Typically, an investment into a discretionary managed solution will follow a rigorous financial review with one of our advisers to determine the most appropriate strategy for your individual needs. However, for the more experienced investor who wishes to invest with us without advice, this too is possible. Indeed, we are more than happy to accept your execution-only instructions into any of our discretionary managed solutions. Of course, in that event we would not be liable if you later determined that the investment selected was not suitable for you. Of course, the Firm remains absolutely responsible for the ongoing management of the component assets for your account choice and you receive full regulatory protection in regard to that.