FAQs
Where are meetings held?
Meetings usually take place at your home or place of work.
Do I have to pay for an initial meeting?
No. Initial meetings are held at our expense and come without any obligation
What do I need to bring to an initial meeting?
We will collect background information from you at this meeting. Current details of your income and assets would be useful, and statements on any existing policies.
How long should I allow for an initial meeting?
Usually, an hour to an hour and a half.
Do I have to sign up to your services at an initial meeting?
No. This meeting is purely to gather information. A summary of our fees and services, personalised to your own needs, will be provided after the meeting for your consideration.
How can I book an initial meeting?
By contacting Ben directly, either by phone or email. Use the contact form at the bottom of the page, or get in touch by email at ben@consolidarewealth.co.uk or call Ben on 07795 565143.
Are you independent?
Yes, and we always have been.
Are you regulated?
Yes, we are regulated by the Financial Conduct Authority. You can view our profile on the FCA Register here.
Can you advise on final salary/defined benefit transfers?
No. We have chosen not to apply for the required regulatory permissions.
What happens if you are away on holiday?
I usually get sunburnt. As a result, I am usually in too much pain to take your call and will therefore contact you upon my return.
What do you charge for a financial plan?
It depends on the level of work involved. Most initial fees will be based on an hourly rate and the number of hours required to complete the financial plan. A bespoke quotation will be provided after the initial meeting.
Do you take a percentage or are your fees fixed?
Most of our initial work is based on an hourly rate to produce a fixed fee. In some instances, a percentage fee may be charged instead, but this will be disclosed within your quotation. Ongoing advisory services are charged on a percentage basis and deducted monthly.
Do you get commission?
Only where the advice needed is for protection advice, such as arranging life assurance or critical illness. Again, full disclosure is provided following the initial meeting, and you have the option of paying by way of a separate fee instead.
Do you charge VAT?
No VAT is charged on any fees.
