Meetings can be held via video call or in person at your home, your office, or our offices in Camberley or Newbury.
Our initial meeting with you is without an obligation to either side. We view this as a discovery meeting, where we try to establish if we’d be a good fit for each other.
Initial meetings can last anywhere between half an hour and an hour. The purpose of the initial meeting is to get to know you and ensure we fully understand the goals you’re trying to achieve, to determine if we’ll be a good fit for each other.
Any correspondence relating to the product or service you’re seeking advice on. It is also helpful if you bring high-level information about your finances, such as savings, investments, mortgages, pensions, and insurance policies.
No, at the end of the initial meeting, you should walk away with a clear idea of how we can help you. You should leave that meeting asking yourself the following questions: ‘Does this adviser understand me? Does the adviser give me confidence that they can help me achieve my goal?’ Answer to these questions should help you decide if you should engage in a follow-up meeting.
Although there is no minimum limit, we feel it’s difficult for us to add value to individuals with less than £50,000.
Our advice is not free. You will pay a fee based on the value of your investments and pension funds. The amount you pay will depend on the complexity of the work we need to undertake. The actual cost, in percentage terms and in pounds and pence, will be confirmed to you via illustrations and presented before you proceed, so you can make an informed decision if you wish to engage with us. You’ll only be charged if you decide to act on our recommendations.
The value of advice can be subjective, although a study conducted by the International Longevity Centre UK (ILC) in partnership with Royal London highlighted that a person who uses a financial adviser is, on average, £47,000 better off when they retire.
We can provide both types of advice service. However, most of our clients prefer to work with us on an ongoing basis, so as their circumstances change and the government adjusts various tax thresholds and legislation, we can adapt their plans accordingly.
Cashflow modelling is the process of inputting all your assets, liabilities, goals, and aspirations into a timeline to see if you’re on track to meet your goals. [Insert cashflow modelling video link]
Yes, you can find us on the FCA Register.
An authorised financial adviser should be listed on the FCA Register. You can find our Financial Planner and the owner of Berkshire Financial Planning on the register.
Berkshire Financial Planning is an authorised representative of St. James’s Place Wealth Management plc. In a nutshell, this means the advice, products, and services recommended by any member of Berkshire Financial Planning have been vetted and checked by a leading wealth management company.
As an appointed representative of St. James’s Place, our clients benefit from the reassurance of their advice guarantee.
St. James’s Place also has a robust complaints-handling process, where you can call, write, or email the Client Liaison Team. If they cannot resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service..
St. James’s Place is also covered by the Financial Services Compensation Scheme (FSCS) for the products and services provided by UK-authorised firms within the Group.
To help you begin your financial planning journey, we’ve gathered the most frequently asked questions.
If you have a question that’s not covered, feel free to contact us.
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