Independent Financial Advice Unique to You - Ethos
The first thing that everyone at PFC is passionate about is being completely independent of any influence. Our sole objective is to work on your behalf to achieve the best possible outcome for you.
From a practical perspective, this means that we do not have any favoured investments or set model plans that we will try and ‘shoehorn’ you into. We will always research and implement the most suitable financial plan for you, whether this involves a product or investment or not.
There are literally thousands of available funds or other solutions to choose from and you can pick one (perhaps from an article you have read) and we will be able to tell you why this was screened out of our recommendation process and an alternative selected. You then have the peace of mind that there is not something ‘better’ that you are missing out on.
You might be aware that all Financial Advisers provide either dependent or restricted advice. We have always been and will always be completely independent and proud to be known as Independent Financial Advisers, or IFA’s, operating across Derby, Derbyshire, Nottingham and the wider East Midlands.
We believe that independence is crucial to our job satisfaction, our client relationships and the longevity of our business. Independence to us means that we are free from any influence to do anything other than to act on your behalf and select the best possible overall plan (and products if they are required) for you from the entire market place.
In practical terms, this means that if you use our services, we will start with the entire universe of planning available and then systematically narrow the options down until we are able to identify a ‘shortlist’. For each of these shortlisted options we will outline both the benefits and drawbacks (there are always drawbacks) in order to ascertain the planning that is most acceptable to you.
In summary, we provide bespoke professional impartial advice and align our interests completely with yours (please see our document ‘Why does PFC charge fees?’ for our definition of professional advice). We have no preconceived ideas about what planning is best for you and we will always ‘tailor’ the best possible solution for you on an individual basis.
Please see our document entitled ‘Initial and ongoing investment process’, which provides an overview of the depth we go into with our product and fund research.
Qualified – Chartered Financial Planners
The second thing that everyone at PFC is passionate about is being qualified to the highest possible levels.
The FCA changed the law so that all Financial Advisers had to meet higher standards of qualifications from 1 January 2013. It will not surprise you to know that our Advisers were already required to hold these qualifications in order to be an adviser at Professional Financial Centre. We have gone beyond this new minimum requirement and are a Chartered Financial Planning Firm. Further details about what this means can be provided on request, but suffice to say it is the highest possible Standard of financial planning advice.
Due to our experience, qualifications and ethos we are the only IFA in Derby to be included on the SIFA Professional Directory of IFAs, which is endorsed by the Law Society. (This can be accessed via the Law Society website under the SIFA legal section of member benefits or by clicking on the link http://sifalegal.co.uk. If you search by region and select ‘Midlands’ you will find us there.)
We have both female and male Independent Financial Advisers, with more than 20 years combined experience of giving financial advice. On top of this, the members of our research and client support team have more than 40 years combined financial services experience. All of our support staff undertake the same exams as our Financial Advisers so that they are able to provide the highest level of service to you.
You will note that no other financial advice firm in Derby operates in the way that we do, has our level of qualifications, endorsements or staff resources that enable us to provide the highest level of bespoke financial planning advice to our clients.
Please see our separate document entitled ‘Professional Financial Centre (PFC) Advice Unique to You – Delivery’ for an explanation of how we translate our independence and qualifications into the best financial planning available to you.
Decision for you to make
Do you want Professional Financial Centre to look after the financial planning for both you and your family for the rest of your lifetime? We guarantee that we only have your best interests at heart and will only make a recommendation to you once we are certain that it is absolutely the most suitable option for you and that we have clearly articulated both the benefits and drawbacks.
We also ensure that if we feel that we are not going to add more in value than we propose to charge you, we will tell you this in writing before we undertake the work for you. We have always made sure that we have added significantly more in value than we charge our clients.
We insist on providing the highest level of advice and service to our clients and never compromise on the initial or ongoing advice that we provide. Due to our experience, we are able to provide all of this at a reasonable cost that is dwarfed by the benefit and value we add to our clients’ financial planning.
We can guarantee that our advice will be unique to you and all we ask is that you give us the opportunity to discuss your objectives with you to see if we would mutually benefit from you becoming our client…