I am an IFA partner of Positive Solutions. What this means to my clients is that they have the dual benefits of local, knowledgeable advice, backed by one of the largest IFA organisations in the UK. This means I can tailor my advice and offer products and services in a more effective and efficient manner for all concerned. The common aim of all associated with Positive Solutions is to hep clients understand, protect, and increase their assets.

I have been a partner with Positive Solutions since Feb 2005.

Positive Solutions believe its being different, or as they like to say, altogether individual. Their unique business model is based upon the need to differentiate and challenge what is considered to be normal practices. Because whilst I am wholly individual, altogether with my fellow partners and I benefit from the backing of an established National IFA. So together we form an efficient, high quality advice based service.

My aim is to provide strategic financial advice. It is a personalised service that adopts a holistic approach by focusing on all aspects of your finances. I seek to establish long-term client relationships and to provide a straightforward plain English financial planning service. I am focussed toward long-term client relationships, as I believe that this is the most effective way for clients to achieve their financial goals.

Being Independent means that I am not tied to any one company or financial institution and therefore the advice I provide is totally unbiased. Only after discussing your objectives will I research the entire UK market on your behalf.

Not all firms charge for advice in the same way. I will discuss your payment options with you and answer any questions that you have, during the initial consultation which is free. I will not charge you anything until you have agreed how I am to be paid.

You will have the option to either:

Paying by a Fee: Whether you buy a product or not, you will pay a fee for the advice and services. If I also receive commission from the product provider when you buy a product, I will pass on the full value of that commission to you in one or more ways. For example I could reduce my fees; or reduce your product charges; or increase your investment amount; or refund the commission to you.

Paying by Commission:
If you buy a financial product, I will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean my service is free. You still pay indirectly through product charges. Product charges pay the providers own costs and any commission. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower.

If you choose the fee option: I will agree the rate I will charge before beginning work. Typical charges are: IFA Partner £100-£200 per hour.

Cert PFS; Financial Planning Certificate 1, 2 & 3.
Cert CII(MP) Society of Mortgage Professionals
CF7 (Lifetime Mortgages)
G10 (Advanced Financial Planning - Taxation & Trusts)
MCIM Post Graduate Diploma in Marketing