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(@blair)
Eminent Member Admin
Joined:8 months  ago
Posts: 24
20/05/2017 3:09 pm  

I've been very, very, very pleased with the results from Hargreaves Lansdown. My adviser consolidated my SIPPs and now, 18 months in and having drawn a pension for that time, the funds are around £100,000 more than when I put them in. I've since brought in other investments, partly because of the poor interest rates on cash. Hargreaves Lansdown has some tremendous systems, so I'm kept right up to date. Elsewhere it was very much dependent on the man but at Hargreaves Lansdown I feel that should my adviser move on - which he assures me he's not planning to - the systems are there to back him up.

Adelaide Financial Advice | Achieving Financial Direction

Professional Qualifications Framework We provide a suite of professional qualifications in both banking and regulated advice plus a range of focused certificates and diplomas for those working in specialist areas. These programmes are placed within a framework that provides clear pathways for career development and professional recognition through to Chartered status. Whether students are new to the industry, keen to upskill their technical and specialist knowledge or an experienced practitioner, the framework supports individuals and organisations to develop the knowledge, skills and competence required of today’s banking and finance professionals. Find out more about our Professional Qualifications Framework

I know what would happen if I did the investing myself: I'd do it for a couple of weeks, then forget, and something would happen in the market that I wouldn't pick up on. So I wanted a managed service, somebody else doing the investing for me. I was happy to pay a fee, my own business was in the service industries (a travel agent) and I know you must be prepared to pay for personal advice.

Cascade Wealth Management Ltd First time for financial advice?

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Annual General Meeting As a mutual organisation, we really care about what our customers think. Our Annual General Meeting (AGM)  is an opportunity for customers who are eligible members to have their say on how the Society is run, and to help shape the future of our organisation. Know Your Limits - Are you affected by the pension Lifetime Allowance reduction? Although you can save as much money as you like towards a pension, there’s a limit on how much you can accrue before a tax charge of up to 55% could apply. This limit is known as the Lifetime Allowance. Download our free magazine today The new edition of our magazine – moneyetc ­– is now available to download.

But unless you get an IFA who specialises in mortgages (check their qualifications), you're often better off going to a specialist mortgage broker, who can search the whole market for you. Many mortgage brokers don't charge a fee. For more information on how to find a mortgage broker, read Cheap Mortgage Finding.

The DipFA is an industry benchmark qualification which meets the FCA's qualification requirement for retail investment advisers. Highly relevant and practical, the programme is tailored to reflect the role of an IFA, providing you with the required knowledge and skills to apply the subject matter effectively in the workplace. The assessments comprise of case-study-based learning designed to replicate the real-life activities that advisers undertake and an assessment that is partly multiple-choice with results provided on the day. We support you in your distance-learning through highly active forums with tutors and other students, exemplar coursework and exam specimen papers. Upon completion our ongoing support includes membership of the London Institute of Banking & Finance, Continuing Professional Development (CPD) services and the issuance of Statements of Professional Standing (SPS). The Diploma for Financial Advisers is a Level 4 qualification registered with Ofqual in the Regulated Qualifications Framework (RQF). Key information Registration for Unit 1 is open year-round, whereas Unit 2 has specific start dates – view more information here Comprehensive study materials are provided Combination of multiple-choice exam, coursework assessment and written exam based on a pre-released Factfind Upon completion, you are able to use the ‘DipFA’ designation after your name Read the DipFA qualification specification

Book over the phone Book over the phone To book your initial, no-obligation discussion with an adviser. Call us on 0800 032 4710* * Lines are open 8am to 6pm, Monday to Friday. To help us continue to improve our service, and in the interest of security, we may monitor and/or record your call. Book in branch Book in branch To book your initial, no-obligation discussion with an adviser. Find a branch

However, if it's not clear, call them up, or next time you see them, just ask. They should be able to clearly explain whether they are independent and if they are restricted, the nature of the restriction.

Time to sort out your money but unsure where to start? Or perhaps you never have time. Yet the sooner you take action, the more likely you are to secure your and your family’s financial future. Yes, financial issues can be daunting. For example, do you know:  how you and your family would pay your bills if you fell ill, were made redundant, or worse? if your pension will give you enough income when you retire? whether you could boost your pension provision so as to get more income when you retire? your options for taking your pension and securing the income you need? how you could build up a nest-egg tax-efficiently for yourself, your children or grandchildren? how you would find the money to pay for long-term care? whether you could pass on more of your wealth to your loved ones? Lighthouse Financial Advice can advise you on these and other issues. The advice is specific to you and could improve your financial situation. Complimentary initial consultation Members of Unite are entitled to a complimentary, no obligation consultation with a Lighthouse Financial Advice professional financial adviser. They can meet you at home, at work, or elsewhere. They will explain how you could benefit from advice and how much it will cost. You can then decide whether to go ahead. There are over 200 advisers all over the UK, so there’s bound to be one near you. Call 08000 85 85 90, email appointments@lighthousefa.co.uk and book your appointment now. Lighthouse Financial Advice Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.

No. If you have at least £50,000 in savings and investments, we can offer advice on a range of HSBC and non-HSBC products and will build a bespoke financial plan, tailored to your individual needs.

As a mutual organisation, we really care about what our customers think. Our Annual General Meeting (AGM)  is an opportunity for customers who are eligible members to have their say on how the Society is run, and to help shape the future of our organisation.

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

Request a free over the phone or face-to-face financial health check from VouchedFor*. You can use the session to get advice on anything from how to decide if you can afford to purchase a property, or how to make the most of tax-free savings schemes, to how to plan for a comfortable retirement. If you want to get a free written financial plan instead then follow this VouchedFor* link. If you book this a financial adviser will help you set up your financial goals.

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Web chat Sorry, web chat is only available on internet browsers with JavaScript. Got a question? Our advisers will point you in the right direction. Unavailable Monday to Friday, 8am to 8pm Saturday, 9am to 1pm Sunday and Bank Holidays, closed Call us Give us a call for free and impartial money advice. 0800 138 7777 * Monday to Friday, 8am to 8pm Saturday, 9am to 1pm * Calls are free. Follow us Get up-to-date money advice from Twitter, Facebook and YouTube. Twitter Facebook YouTube For more ways to get in touch, go to our contact us page.

With customers based around the UK, we are proud of the fact thousands of our customers have been with us for many years, and the positive difference we have made to their lives. But don’t just take our word for it. Our satisfied customers share their stories about why they needed financial advice, the ways we have helped them, and what they think of our service and people.
Financial Advice
Doing nothing is why many people struggle to make ends meet. Granted, dealing with financial issues can be daunting. For instance, do you know if your pension will give you enough income when you retire? Or whether you could afford to retire early? Or if your savings could be more tax-efficient? Or how you could help your children or grandchildren financially? But these things have to be faced.

Book an appointment How to book your appointment How to book your appointment Before you get in touch, please take a look below at the eligibility requirements and things you should know. Book over the phone Book over the phone To book your initial, no-obligation discussion with an adviser. Call us on 0800 032 4710* * Lines are open 8am to 6pm, Monday to Friday. To help us continue to improve our service, and in the interest of security, we may monitor and/or record your call. Book in branch Book in branch To book your initial, no-obligation discussion with an adviser. Find a branch Eligibility requirements HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old. You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee. * Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver. If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help. If you are not a UK resident, see our HSBC Expat service. Things you should know We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your no-obligation discussion. HSBC Premier Financial Advice Service is provided by HSBC Bank plc. We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including HSBC. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don’t such as specific tax advice. The value of investments, and any income from them, can fall as well as rise and you may not get back what you invested. For some investments this can happen as a result of exchange rate fluctuations, as shares and funds may have an exposure to overseas markets. Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in established markets. We recommend that you should regard stock market investments as medium to long term commitments (by which we mean that you should be prepared to hold them for a period of not less than 5 years). Our HSBC Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager. For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay HSBC Bank commission. This Advice service does not include protection as part of an estate planning/IHT need; you must complete a full financial review. Our adviser will assess your protection needs and recommend products from a limited number of carefully selected companies, including HSBC. However if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier relationship Mangers. If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with an adviser who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs. Eligibility requirements HSBC Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old. You'll also need an HSBC or First Direct current account or savings account* for us to be able to deduct your fee. * Excluding HSBC Online Bonus Saver, HSBC Online Saver, any HSBC or First Direct Cash ISA, First Direct E- Savings or First Direct Everyday Saver. If you are new to HSBC Premier and would like to check the eligibility criteria and how you can apply. If you don't qualify for HSBC Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help. If you are not a UK resident, see our HSBC Expat service. Book an appointment for HSBC Premier Financial Advice

Advice from Prudential Financial Planning Whether you are already enjoying retirement, plan to retire soon, still have some way to go, or are simply looking at different investment options The Man from the Pru can help. We can review your finances, help you understand the choices you have and advise on the options available for your personal circumstances. With more freedom to do what you want with your money, now is a great time to benefit from these new opportunities. The types of questions we can help answer: When can I start taking money from my pension? How much tax will I pay on withdrawals? Do the new pension rules affect me if I’m not retiring yet? How do I pass my pension on to my children? Should I move my savings and investments? Can I take my pension money and continue working? Set-up your review meeting It’s very easy to set up a no obligation meeting with The Man from the Pru. We can meet you in the comfort of your own home or wherever you prefer. If you don’t already have a financial adviser set up a meeting or call us on 0800 434 6630 between 9am to 5pm Monday to Friday. Set-up a review meeting Close Book a meeting with the Man from the Pru Please fill in your details below and one of our advisers will call to arrange your financial review. First Name* First Name is mandatory Surname* Surname is Mandatory House name/number* House name/number is mandatory Postcode* Postcode is mandatory Phone number* Phone number is mandatory Preferred contact time 9am - 12pm 12pm - 5pm 5pm - 8pm Prudential Financial Planning advisers are qualified and experienced in financial planning and can advise on a carefully selected range of products from Prudential and other providers. This is known as a restricted advice service. Contact me Close Book a meeting with the Man from the Pru Your request to arrange an appointment has been received. A Prudential Financial Planning adviser will contact you within 48 hours to set up a meeting at a place and time to suit you. Search for a financial adviser on unbiased.co.uk Visit unbiased.co.uk to search for an independent financial adviser in your area. Unbiased gives you access to a wide range of qualified independent financial advisers who can give you advice on any financial matter.

Many financial advisers will meet in you in person either at their office, your home, or a place convenient to you. If you prefer to meet your adviser face-to-face then you should choose the ‘in-person’ option and give your postcode.
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If you're happy to use their services the adviser will carry out a 'fact-find'. This provides advisers with information about your finances, goals and attitude to risk. Here they'll look at your situation now - what savings do you have, do you have any debt, etc. They'll think about the future - how much money will you have coming in, what your attitude to risk is. Once they've built up a picture of you, they'll be able to better assess what products are suitable.

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