FAQ
Detailed below are some of our clients' most common questions put to us. Should your question not be answered by the explanations below, please do
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. We'd be happy to answer your specific questions.
1. Do you offer an initial free consultation?
We do not make a charge for the initial meeting. This "discovery" meeting is at our expense and provides a risk free opportunity for us both to see whether we could work together in the future, and on what terms. If we do not feel that we can or that you would not get significant value from becoming a client we will do our best to point you in the right direction.
2. How long has The Sound Financial Group been in business?
Sound Financial Planning was established in 1998 with a clear vision of providing one off focused advice or full comprehensive financial planning backed up by wealth management, offering the highest possible service standards for all clients. The Directors & Partners of the firms within the group have between them over 75 years of financial services experience. Since 1998 The Sound Financial Group has successfully provided its clients with bespoke financial solutions based upon the foundations of integrity and trust.
3. How do you calculate your fees?
This depends upon the programme that you require and the work involved. Generally we have fixed fees for the financial planning work so that costs are known and agreed at outset. If product specific or regulated financial advice is subsequently required and you instruct us to conduct the work, we will charge based upon our discounted fee tariff and again these costs will be detailed up front so you will not receive a nasty bill or surprise. If commissions are received from product providers these can be used to offset fees otherwise payable, refunded to you or used to enhance the terms of the product. As always, the choice is yours.
4. Do you offer an ongoing monitoring or review service?
As part of our Lifestyle Wealth Programme™ or Wealth Management Programme we offer an annual review service, however the intervals can be more frequent if required. We feel that this is an important aspect of financial planning and will assist you in keeping your plans on track despite changes in legislation, the economic environment, your employment and financial position, etc.
We cover all aspects of investment, finance, wealth management, retirement, inheritance and tax advice.
We cover all aspects of investment, finance, wealth management, retirement, inheritance and tax advice.
5. Are you truly independent?
The term "independent", when used to describe a financial adviser, is understood to means that he or she can recommend products from the whole of the market. More recently the FSA has dictated that any firm or individual that refers to themselves as "independent" must give clients an option to pay for advice by the way of a fee. So in both respects we are truly independent, but must stress that when it comes to advising on products from the whole of the market, this will only follow financial planning advice. We are not simply product sellers or execution only discount brokers.