What is the FSA?
The FSA (Financial Services Authority) is the statutory body that regulates the financial services industry. They’re there for consumer protection – to make sure that advice we give is always in the best interest of our clients. Unlike most regulatory bodies, they’re a compulsory organisation, so everybody within the financial services sector must be registered with the FSA. The FSA do not regulate Will Writing and some forms of Inheritance Tax Planning.
What will your advice be based on?
It will be based entirely on your circumstances. Before we offer any advice, we will meet with you and find out all about your current situation, existing policies and investments, future plans, and your attitude to risk. We’ll create a review document, along with our suggestions on what action to take. We won’t leave you with reams of incomprehensible reports, but we will talk you through your affairs in simple, jargon-free terms and, at every stage welcome your ideas and input.
What are your fees?
There’s no charge at all for your initial review. Once we’ve assessed the situation, given our recommendation, and you’ve decided how you’d like to proceed, you can choose whether you’d like to pay fees or commission in line with FSA guidelines. We won’t just ask you which you want to do though; we’ll explain the difference and help you to assess which is the best payment option for you.
Whatever you decide, with Hyrifa you’re guaranteed to receive a good, competitive, cost-effective service.
Is there any obligation after the initial review?
No, none whatsoever. At any point you can choose not to take our advice and walk away.
Do appointments have to be made during office hours?
No we can make appointments in the evenings and even on Saturdays. You can come to us, or we can come and visit you at your home, your place of work, or anywhere that’s convenient.
Will you liaise with my other professional advisors?
Yes, we work with accountants, solicitors and other professional advisors to ensure the advice we give is in line with theirs, and that there’s no conflict in the advice being given.
By doing this we make sure that all your financial planning works together for optimum results.
Can you review my existing policies?
Yes, we’ll conduct an initial review of your existing policies free of charge. We’ll offer advice on their performance and transfer or consolidate existing investments if necessary. We can work with any supplier, even those who are no longer trading.
How do I make an appointment?
Call 0116 289 5555, or click here to contact us by email.