fiduciary

adjective| fi·du·cia·ry | \ fə-ˈdü-shē-ˌer-ē , -shə-rē , -ˈdyü- , fī- \

“Involving trust, especially with regard to the relationship between a trustee and a beneficiary.”

We believe that you should be able to trust us to have your best interests at heart. That’s why we are Fiduciary Financial Planners.

Fiduciary probably isn’t a word you’ve heard used before in connection with financial advice, so please allow us to explain. In short, financial planners and advisers who follow a fiduciary standard are required to put their clients’ interests first, and before their own or those of their firm. In other words, avoiding conflicts of interest and ensuring that we are never able to personally benefit from the advice we give.

That’s one of the reasons why our fees are fixed at every stage of our process; we simply believe it’s fairer, more transparent, and the best way to avoid conflicts of interest. We even extend that belief to protection contracts. Most of our peers continue to take commission when implementing a protection contract, such as life assurance. We don’t; we charge a fixed fee and forgo our commission, resulting in a more cost-effective solution for our clients.

That’s the fiduciary difference.

Adhering to the fiduciary standard means that we have a duty of loyalty and care to each and every person we work with; we must put your best interests first. As Fiduciary Financial Planners:

We disclose our fees

Working to a fiduciary standard means we must be transparent about our fees.

We charged fixed fees at every stage, not a percentage of the amount you invest. That means our interests are completely aligned to yours. This isn’t always the case if your adviser charges a percentage of what you invest, particularly to pay for an ongoing service.

We conduct thorough research

You can rest assured that we will only give you advice, and produce a financial plan, following a rigorous process which ensures we fully understand you and your situation: your goals and ambitions, concerns and worries, as well as your existing savings, investments and pensions.

We avoid conflicts of interest

Our clients can feel assured that we’ll never put our interests before theirs.

We’ll never steer you to investments or products which benefit us more than you, we’ll never take commission and we’ll always charged fixed fees to ensure our interests are completely aligned.

We believe that the fiduciary standard represents the future of financial planning in the UK; we look forward to other independent financial advisers and planners following our lead.