We provide Independent Financial Advice and firmly believe this benefits our clients more than some other, more restricted, models.
Creating an effective financial plan is vital to delivering the financial future that you want. However, our independence means we can access the ‘whole of the market’ when we implement that plan.
We are authorised and regulated by the Financial Conduct Authority (FCA).
You can view the Cactus Financial Planning page on the Financial Conduct Authority’s Register by clicking here.
Yes, we are required by the Financial Conduct Authority (FCA) to hold suitable Professional Indemnity Insurance.
If you would like to see a copy of our policy please do not hesitate to ask.
We firmly believe that working with specific groups of clients mean we have the in-depth specialist knowledge needed to provide high-quality independent financial advice.
We therefore work with three groups of people; people close to, or at, retirement, business owners and fortysomethings.
We are happy to meet at a location which suits you. That might be your home, our office, or an alternative location such as your place of work.
This meeting is an opportunity for us to get to know each other.
It’s a chance for us to understand more about you, the areas you need financial advice on and whether we can help. It’s also the ideal time for you to ask any questions you have about how we work, our expertise and fees.
We don’t believe it is fair for us to charge for this meeting. It is therefore held without charge or obligation.
We believe in being open and transparent, so we took the decision to publish our fees.
Everyone needs to be paid for the work they do and the value they deliver. We therefore see no reason why all advisers shouldn’t be equally transparent and publish their fees. This would help consumers to better compare advisers and planners before deciding who to contact.