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What Can We
Offer?
We are Independent so we have access to the whole range of
financial products. We do not see it as our role to
“sell investments”. We do consider it our role to
find out about your current situation and your goals. Your
money should be used to facilitate the achievement of your
objectives and the products which we may recommend are
merely the means to achieve these. If you are going to
carry on working you may want your capital to grow until
you are ready to retire fully. If not, you might need to
produce some income. If you have sufficient income, you
might simply want it to be available for spending. |
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How Do You
Pay For Our Services?
Its up to
you! We are quite happy to charge fees in which case we
would not receive any commission. Alternatively, we can be
remunerated by commission. Frankly, we prefer commission –
not because we necessarily earn more in this way but it
enables us to give you continuing service without having
to charge fees in the future. We already have dozens of
Police Officers as clients who can attest to the quality
of our continuing service. |
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How Do You
Deal With Us?
We will
arrange an initial consultation. This is free and without
obligation. It can take place at our office, on Federation
premises or at your own home. Again, we
prefer the latter because your family can be involved and
all your personal records are easily available. We then go off
and analyse the information that we have collected and
provide you with a personal report. This contains our
recommendations – not just with regard to your capital but
for any other issues that may have arisen during our
conversation. We will then arrange a second meeting at
your preferred venue where we can go through our
recommendations in detail and answer your questions.
Then, its up to you! |
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What Can You
Expect In The Future?
Your Adviser
or his Personal Assistant will always be available if you
have any queries. We offer an annual review where we will
be in touch to update you with the progress of your
investments and other arrangements and to keep us up to
date with any changes in your circumstances. If we have
been remunerated by commission, we do not expect to have
to charge fees for this continuing service in the future. |
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What Other
Services Do We Offer?
We aren’t
Stockbrokers and we don’t handle client money but there
are lots of other ways that we can help. We don’t advise
on motor, contents or other general insurances.
We employ a
fully qualified Solicitor who can write your Wills for you
for a modest fee. We can offer advice on taxation. We have
other areas of expertise – medical insurance, long-term
care, mortgages and many others. |
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How Confident
Can You Feel In Dealing With Us?
We are
regulated by the Financial Services Authority. We have
Professional Indemnity Insurance with a limit of £3
million. However, we consider our good name to be your
strongest guarantee. We have been in business for almost
thirty years and deal with many of your current and former
colleagues. We wouldn’t want to risk our good reputation
by dealing carelessly with you. |
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What’s The
Catch?
Genuinely –
we don’t think there is one. We are in business to make a
living but we believe that the best way to do that is to
give the best advice and an unparalleled continuing
service. |
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What Do You
Do now?
Telephone us
to arrange your free initial consultation on 01244 539595
or complete the feedback page and one of our friendly
staff will call you to arrange a mutually convenient time. |
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CASE STUDY (i).
Mr &
Mrs S just didn’t seem to be able to get their
finances on an even keel. Paul was a serving Police
Officer and his wife a Civilian employee. We enabled
them to consolidate their debts via a remortgage and
switched their loan to the repayment basis. As a
result, their personal finances are now stable and
they are operating their family budget prudently.
Their mortgage will be repaid before their retirement
and they are also managing to save.
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Testimonial No: i
We were in despair until we met Cambrian. We felt so much
better after they had sorted out our finances we now feel
in control of things. Our prospects have been transformed
because we can now afford to save and our mortgage will be
repaid before our retirement. We have sung their praises
to family, friends and colleagues.
Mr & Mrs S. from Wrexham. |
CASE
STUDY (ii). Brian retired from the
Police Force after thirty years’ service and received his
lump sum commutation. For the time being he is continuing
to work as a Civilian employee so his capital is invested
to produce steady capital growth. It is reasonably
accessible and capable of producing tax-free monthly
income when he eventually retires. |
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Testimonial No: ii
Fortunately we met Cambrian before I retired. They sorted
out our mortgage for us and regular savings. When I
received my lump sum commutation I never thought of going
anywhere else for advice. They have given me what I want
in terms of steady growth, accessibility and income when I
need it. They have also advised us about the investment of
capital for our grandchildren. We have recommended them to
friends and colleagues who have also been delighted with
the advice and service that they have received.
Mr & Mrs W. from Mold. |
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