Description
Bringing Quality Independent Advice straight to your desk
At Fulford Independent Financial And Mortgage Advisors we pride
ourselves on understanding fully our client’s needs - high quality
independent advice delivered in the manner and timescales that their
lives demand. Our clients are busy and look to us to ensure that their
finances are working for them, both today and for the future.
Helping you use your time efficiently
Fulford Independent Financial And Mortgage Advisors is an innovative
practice of like-minded individuals, committed to our clients and keen
to be judged on the value we deliver. Independence and Quality are the
foundations of all that we do. We make sure that you have access to the
range of products and services available in the financial services
market, unlike banks or some life assurance companies that are only
able to offer access to one provider. We ensure you receive the right
advice to select the financial products you need to meet your
circumstances.
We believe in relationship advice. Knowing you, your family and your
aspirations, enables us to deliver the quality of service you deserve.
Through building relationships, we are able to free your time for the
things that matter to you and your family. 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 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 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 the prospective clients 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.
Commission is paid to an IFA firm by a provider, usually an insurance company
or an investment house for the successful placing of business. The commission
is included within the providers normal product charges, so there is nothing
you need to pay us in addition. The amount of commission is based on a percentage
of the premiums payable or sums invested.
Fees will usually be based on time spent and evaluated at a rate per hour calculated
to recover our costs. Fees attract an additional VAT charge whereas commissions,
under current legislation, do not. We will always tell you about any commission
we earn, and it will be taken into account in working out our fee.
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. | 
