Our Services

The first conversation costs nothing and commits you to nothing. We want to understand what you are trying to do and by when, what you already have in place, and what you are worried about. Often that conversation is enough on its own and no product is needed.

If advice is the right answer, we set out in writing what we recommend, why, what it costs and what the alternatives were. You decide from there.

An independent adviser can recommend from across the whole of the market. A restricted adviser can only recommend from a defined list, which may be one provider or a panel. Both are legitimate and both are regulated, but they are not the same thing, and the difference is worth understanding before you take advice from anyone.

We are independent, and we are directly authorised rather than operating under someone else’s network.

Most of our clients live in and around Taunton and the wider Somerset area, though we act for people across the South West and further afield. Typically they are approaching retirement and want to know whether they can afford to stop, or they are buying or remortgaging, or something has changed at home and the plan needs revisiting.

We explain our charges before you commit to anything, in writing, in cash terms rather than as a percentage alone. For mortgage work we tell you what fee applies and what we are paid by the lender. There is no charge for the initial conversation.