Description
The company that is now known as FKW began providing independent
financial advice over fifteen years ago, our philosophy has always been
to educate and empower, enabling you to make decisions in the knowledge
that you really understand your options and therefore the advice you
are taking.
This site builds on our philosophy by further empowering both
existing and prospective clients to find out more. Please use the links
on the left to explore our site and if you have feedback for us, would
like to contact an adviser or any other issue comes up that you would
like to discuss, please don't hesitate to contact us.
As Independent Financial Advisers we are free to advise on
financial products available from all product providers. We use
advanced computer software to research, compare and select the most
suitable deals currently available. We are thus able to make
arrangements to maximize the benefits to our clients.
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 how we can help you.
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 professional 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, and the order of priority in dealing with your finances. And of
course it will all be sensibly balanced in relation to your current
income and your prospects
In almost all cases we are able to make arrangements which clients
would be unable to make for themselves. All our proposals will be fully
explained and costed so that you'll know exactly what and why before
you agree to anything. On receiving an enquiry we invite a prospective client to
come to our offices for a preliminary meeting. The purpose of the
meeting is firstly to establish whether we are able to assist with your
needs and objectives and secondly to discuss how we would be paid for
our services should we be instructed to proceed. There is no charge for
this preliminary meeting and no obligation on either side.
After the initial free consultation, we will agree with you whether
you pay us a fee, or we are paid out of the cost of any financial
product you buy (commission). We will always tell you about any
commission we earn, and it will be taken into account in working out
our fee.
Fees will usually be based on time spent and evaluated at a rate per
hour calculated to recover our costs. The amount of commission is based
on a percentage of the premiums payable or sums invested.
Whether we take our remuneration by way of commission or fees will
be a matter of discussion and agreement, and no charges for fees will
be made without prior notification in writing.
If you ask us to arrange a mortgage for you we can be paid either by
fee or by commission. If you choose to pay us a fee, this will
normally be 0.25% of the loan amount, subject to a minimum of £250,
invoiced on the issue of your mortgage offer and payable on completion
of your mortgage. This fee will be offset by commission payable by the
lender and/or any associated insurance.
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