How we work

Expert Financial Solutions Ltd seeks to have a paperless office and therefore our document management system Volume, and client management system (1st Software Adviser Office Professional) are at the heart of our client service proposition and enable us to provide a first class administration service.

External software that we use for analysis and client reports: -

		Financial Express Analytics – industry standard quantitative investment research for collective funds, shares, ETFs, onshore and offshore life funds, pension funds etc.
		O&M Systems Ltd Pensions Profiler – a range of pension analysis tools
		OBSR – Old Broad Street Research, qualitative investment research
		The Exchange – open market product research tool for annuities, insurance plans etc.

The quality of our advisory work is audited by external compliance consultants, Haven Risk Management Ltd who are employed by us to ensure that our regulatory responsibilities are met.

How we are paid.
Our Client Agreement explains how we derive our income; our services are not free of charge!

Expert Financial Solutions Ltd are fee based financial planners, which means that we will explain to you the cost of a service or advice and leave the method of payment up to you. If we are reporting or advising and there is no implementation then an explicit fee will be payable by you; however if our advice leads to implementation of a financial product such as an insurance policy, investment, or pension plan for example you may be able to meet our fees through the product charges as a commission payment.

This does not mean that we are commission based advisers; our view is that commission payable on implementation of a financial product is your money to use as you see fit. If that means that you wish to use commission to pay our fees (some people refer to this as ‘commission offset’) so be it.

Other clients will be more comfortable paying explicit fees and in which case any commission payable on implementation of a financial product is reinvested to boost the invested amount or reduce the product charges.

Client Agreement
Click on the link below to download our Client Agreement:

Client agreement

Summary
Our processes are designed to be transparent, professional and friendly. We wish to have a long term relationship with you to help you achieve your financial goals.

If you wish to speak to us about our services please call us now on 0800 180 4757 (free phone) or Contact Us.

January 2010

Expert Financial Solutions Ltd chartered financial planners and independent financial advisers IFA financial planners based in Witney, Oxford, Oxfordshire. We provide independent financial advice, pension advice, investment advice, retirement advice, annuity advice, SIPP advice pension drawdown advice, pension transfer advice, wealth management and pensions on divorce advice in Oxford, Oxfordshire, Gloucestershire, Buckinghamshire, Wiltshire and Berkshire, Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. Pension specialists, retirement planning specialists, pension transfer specialists, pension annuities, specialist pension advisers, investment advisers, and inheritance tax IHT mitigation and trust investment. Chartered Financial Planner. Oxfordshire's only Resolution qualified and Resolution accredited IFA for pensions on divorce and financial neutral for collaborative divorce.