We work with both business owners and individuals to support them on their financial journey and working with us allows you to plan your future and manage your finances. You’ll feel empowered by better understanding your personal financial management so that you can get the most out of your money.
Choosing a financial adviser
When it comes to choosing a financial adviser, a key consideration is whether they are independent or restricted. The main distinction whether financial advice is independent or restricted is the process followed to investigate options available to clients.
Restricted advisers have a prescribed set of providers whom they can consider when making recommendations, whereas independent advice means being able to search the entire market to evaluate what is available for clients.
Our Approach to Financial Advice
From the outset we took the decision to provide independent financial advice. This allows us to assess the whole of the market and the financial products available to evaluate them based on our clients’ personal circumstances. We also consider tax planning in our recommendations and whether the proposed options are tax free.
We work with you to create your own financial plan. You will then receive ongoing support from our financial experts to ensure your plan remains on track and we can make adjustments together as your circumstances evolve.
We are passionate about the role financial services play in our clients’ lives, as ultimately it gives them choices, freedom and control over their future.
The Role and Importance or Regulation and Consumer Protection
We are professional and ethical in our conduct and as a firm Cotswold Independent Financial Services is both authorised and regulated by the Financial Conduct Authority. As such we are proud to be operating in a profession where consumer trust and protection is of paramount importance.
In a heavily regulated industry, the Financial Ombudsman Service is the UK’s expert in sorting out problems between clients and financial services companies. To support consumers, the Money Advice Service provides support and advice, and guides for consumers.