All Independent Financial Advisers have industry qualifications which allow them to be registered. You should choose an adviser with whom you are comfortable discussing your personal finances and financial objectives and who has experience and qualifications in the areas on which you wish advice.

An initial consultation is complimentary. I will ask you about your circumstances, current financial position and your financial goals, so I can understand the areas in which you may be able to benefit from advice.

In line with standard industry practice, income is derived in the following ways:

• Fees can be paid through the product provider, known as an ‘adviser charge’ or payment direct from the client.
• Commission from the companies that provide the products that our clients purchase, or
• A combination of the above.

In every circumstance, all commissions and fees will be discussed at the outset and agreed by you. All illustrations of the product options available will clearly show the commission available in each case. John Tamblin Financial Services Ltd rates are reasonable and I pride myself on providing good value for money to my customers.

There are 3 steps; firstly an initial consultation, then a detailed report and recommendation. Finally there will be implementation of the advice. Importantly, I provide an ongoing service to clients for whom we will regularly review your circumstances as your life and goals change.

Yes, even though I offer advice on all areas of financial planning I can offer advice on a specific area e.g. life assurance. However, as a client, you are always able to access a full financial review of all areas.

Yes, as an Independent Financial Adviser, I am authorised to give advice on all regulated products with all providers. Usually our first step is to review existing plans in terms of cost and suitability.

I am an independent financial adviser and as such, I can work with all companies and their regulated products. Unlike many advisers, I am not restricted and offer financial planning in all areas, including Life Assurance, Investment*, Pension* and Employee benefits.

*The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

In choosing an Independent Financial Adviser, one of the most important criteria is the availability of an ongoing service to monitor your changing personal circumstances, market conditions, tax legislation etc. We will establish a regular review system that will help you to manage your personal finances in the future.