Frequently Asked Questions (FAQ)

How much does financial advice cost

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This can vary greatly between financial advisers. But on the whole first meetings will be at the adviser's cost. Then if you were to engage with them for advice then there will likely be an initial charge based on the investment value. There will then be an ongoing advice charge which will be a percentage of the asset value.

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Generally speaking, the initial charges can be up to 5% of the investment value and then ongoing charges can be up to 1% per annum of the asset value.​

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For details of my professional advice charging structure please refer to the personalised advice tab.

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Is financial advice only available for people who are rich?

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This is a common misconception and it not true at all. 

 

There are some financial advisers who have minimum 'investible assets' before they would engage you as a client, but this is generally down to commercial reasons. 

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However, I do not have this restriction. I firmly believe everyone should be entitled to financial advice.

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I want to transfer my portfolios to another financial adviser, can I do this?

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Yes of course. It is your hard-earned money so you are free to transfer any portfolio away at no cost. I do not charge any penalties to do this.

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However, be aware some financial advisers charge an exit penalty. Always check this with any adviser you are using or intending to use.

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I don't have a lot of spare money but would like to start putting something in place. Is this something you can do?

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Yes, I can provide financial planning advice to all. There may be some situations where I may refer you to a more specialist person if it is an area I am not familiar with. 

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I am worried about losing money as I have heard horror stories of people having this happen to them

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This is where financial education could be beneficial. Although with any type of of investment there are risks involved. This is where you will always see the caveat on financial documents saying that you could lose more then you originally put in.

 

I would take all steps possible to make sure any financial plan we put together does not make you feel uncomfortable and that you are not exposed to any risks you are not happy with.

 

Financial Risk is a key part of everything I do and we would spend a lot of time talking about this throughout your financial journey.

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How often can I contact you?

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If you become an official client of mine through Coleridge Capital you will be able to contact me as often as you need. This can be via phone, email or face to face. We would review your financial plan at least once a year to ensure everything is working as it should.

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Do you work with other professionals?

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Yes I have a built up a network of other professionals I work closely with. These include, Lawyers, Will/Trust writers, accountants and estate agents. I am more then happy to set up introductions depending on your requirements.

 

Why did you become a financial adviser?

 

I started in the industry in 2002 where I worked for a Pension Provider in the technical pensions team. It was during my time here that I met a number of financial advisers and decided it was a career I wanted to pursue. 

 

I enjoy helping people and through providing financial planning advice I feel I am to do this.
 

Which part of the UK do you cover?

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I am based in London but I have clients not only in the United Kingdom but globally too. With the use of Information Technology it has made things a lot easier and allows me to reach a greater area.

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I find it confusing to understand financial matters

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I will guide you through the whole process step by step at a pace which you are comfortable with. No question is a bad question. I actively tell my clients to ask me questions. 

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I explain everything in a clear and simple manner as I do not believe that financial advice needs to be complicated.

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