'In an age of call centres, anonymity and unaccountability, we pride ourselves on taking a personal interest in our clients.  We aim to give a courteous and efficient service, talking your language and avoiding needless jargon.'

Fraser Heath are Independent Financial Advisors, authorised and regulated by the Financial Services Authority.  As Independent Financial Advisers we have access to financial products from the “whole market” and will recommend only those that are appropriate to your circumstances. In particular, we advise our personal and corporate clients on the following:

Our aim is to deliver a professional service to our personal and corporate clients and help them achieve their financial objectives and goals. All advice will be tailored to your particular requirements after we have assessed your needs. We strongly encourage regular reviews to ensure your ongoing objectives are satisfied.  We prefer to adopt a holistic approach but can limit advice to certain areas if you prefer.

We can be remunerated by either fees or commissions from the product providers and are happy to work on either basis

Service

All clients are equally important but we recognise that all clients do not have the same service requirement. The level of ongoing service is therefore dependent on your requirements and preferred level of involvement. This can range from periodic newsletters to regular meetings to review your levels of cover, investment objectives and/or retirement planning. We encourage all our clients’ to keep us updated with any changes in circumstances and to let us know if there are any financial planning issues that may be of concern.

Depending on the level of ongoing service required we may need to charge a fee even to those clients where advice has been provided on a commission only basis. If this should arise, the fee would be agreed and discussed with you first.

Expertise

In order to offer an efficient and professional service, expertise is essential. All advisers are qualified and have either achieved or are working towards their Advanced Financial Planning Certificate. We adopt a rigorous approach to continuing professional development in legislative, taxation and product development and undertake regular testing on technical areas in retirement planning and mitigating tax. This enables us to advise you with all your financial planning issues.

Staffing

A happy team is a successful team. Whilst many larger companies look to shed staff, we appreciate that for people to work effectively and professionally, our advisers need excellent back office support and access to research. By the same token, our office based staff must also have time to work effectively and have access to high speed technology and most impotantly feel included in our overall client proposition. As a result of this we have a ratio of two back up staff for every adviser, a ratio that is typically the reverse in other IFA practices.

We look forward to helping you.