About Financial Services
Clear & Lane Financial Services Limited are the Independent Financial Advisory arm of our practice.
We are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.
Getting started
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.
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What happens next?
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all). You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects. In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.
Our Ethos
- Putting the client's financial interests first.This is our principle philosophy and is borne out of many years' experience working in a professional practice environment.
- Independent professional standards. The principles of the International Financial Planning Standards Board (FPSB) are the framework for developing financial plans for our clients. This means that we apply consistent, independent, high quality standards, and you benefit from comprehensive tailored advice, subject to regular reviews. We also adhere to the UK's Institute of Financial Planning code of ethics and professional practice.
- Being highly qualified. Our advisers and analysts are either Certified or Chartered Financial Planners, these being significantly higher qualifications than the minimum required by the Financial Services Authority.
- A transparent fee-based approach to charges. We distinguish between giving financial advice and effecting investment transactions. Having received financial advice from us, clients are under no obligation to effect any transactions. Our fees take account of the time spent, or likely to be spent, in carrying out the work, the complexity of the work, the skills of the person doing it, and our liabilities and regulatory obligations in respect of the work.
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