Why Choose CFS?
CFS is one of the UK’s leading independent financial advisers, founded more than 10 years ago and based in Bath.
But we don’t want you to take this statement purely on trust.
We are completely clear and transparent about our qualifications, fees, approach and ethics.
Choosing a financial adviser can be a daunting process. That’s why we offer our ‘five Cs’ – to provide evidence of the quality of our service and to explain our fees, approach and the ethics that underpin our relationship with you.
Chartered Advisors
Our founder Jonothan McColgan is a Chartered Financial Planner – the gold standard in the Financial Services Industry and the benchmark for professional excellence and integrity.
Chartered Financial Planners must abide by a standard Code of Ethics.
This means that you can be confident that you’re dealing with one of the UK’s leading financial advisers.
Credibility
The awards we’ve won, our presence in the media as a highly regarded financial expert, and what our clients say about us all provide evidence of our credibility.
Jonothan McColgan is publicly recognised for his skill as a financial adviser and his high levels of technical knowledge.
He has won the coveted UK-wide Financial Adviser of the Year award and writes frequently on financial issues for publications including The Times, Daily Telegraph, Mail on Sunday and Money Marketing.
Clear Fees
Understanding the fees you can expect to pay your financial adviser can sometimes prove difficult.
We’ve developed a clear fee structure so you know exactly what to expect.
Initial Fee - £1,500 or 1.5%
To determine your objectives, create a financial plan, review your existing investments/pensions/policies and implement our recommendations. We charge a minimum fee of £1,500 or 1.5% of the funds you are placing under management if greater, capped at a maximum of £15,000.
For example:
- Investing £0 to £100,000 our minimum fee is £1,500
- Investing £100,001 to £1m our fee is 1.5% of your investments
- Investing £1m+ our capped fee is £15,000
Annual Advisor Fee - £1,000 or 1%
Our annual fee for providing you with our ongoing advice to help you to achieve your financial objectives is a minimum of £1,000 or 1.0% of the funds under our management.
If greater, it’s capped at a maximum of £10,000.
For example:
- Investing £0 to £100,000 our minimum fee is £1,000 pa
- Investing £100,001 to £1m our fee is 1.0% pa of your investment
- Investing £1m+ our capped fee is £10,000 pa
You can pay these fees either directly from your bank account or from your financial products (where possible). Some of the services we provide may include elements that are liable for VAT. We will clearly identify what proportion of our service is liable for VAT and how much VAT is to be paid.
Corporate Purpose
We are guided in our work by five central principles:
- We only work with clients to whom we can make a real and positive difference.
- We put our clients’ needs and objectives at the heart of what we do.
- We consider our clients’ hopes and fears.
- We are independent in everything we do.
- We always do the right thing for our clients.
Collaboration
Helping our clients safeguard their finances for future generations often requires a collaborative approach: your financial adviser, accountant and solicitor all working together.
We are happy to liaise with any professionals you currently work with.
Alternatively, we can help you to put together a team of professionals who would be best placed to meet the needs of you and your family through the ages.
The Freedom to Live The Life You Choose
Call us on 01225 471462 or email info@cfsorg.com
