"Confronting the Advice Gap"

Beyond the ordinary

"Expert" Financial Guidance Simplified

With many decades experience in Financial Services, including as a seasoned Associate Director and Business Development Manager in Wealth Management with a Regional Chartered Financial Planners; I offer unbiased, Independent, Financial Coaching, Education, and Guidance on any financial topic.

From complex financial planning to the simplest of financial matters.

Everyone needs someone on their side.

Many clients understand professional advice is available, but are concerned about the costs and whether their questions are worthy of the expense.

Research has shown that misconceptions about cost...

The belief that they will be sold a product or service and that they do not have enough income or capital to warrant the attentions of an Independent Financial Adviser

...means these questions often go unanswered

"The Solution"

Benefits of Guidance

Niche Consulting brings together the benefits of decades of experience as an Independent Financial Adviser, with an in-depth understanding of the structure of Advice, the costs and fees, and their application.

The expectations, and the implications of minimum fee levels, the requirements of minimum capital investment, and profitability, all CONSPIRE and CONVERGE to make it a difficult decision for some, to engage with the independent advice process.

Professional Qualified Guidance

A service giving you the opportunity to talk to an experienced consultant on financial matters.

An opportunity to gather information to help you to narrow down your options and make decisions yourself by being better informed.

Providing a coherent overview and general understanding helps you build the foundations of your financial knowledge.

Unbiased financial guidance for you. Answering your questions. Giving you the ability to ask what you want, your way, Your costs fully explained and clear.

Unbiased Financial Guidance

Knowing: that no products will be recommended or sold to you.

Knowing: that your options will be explained, and what you could do.

Knowing: that you will not be told what you should do.

No pressure to do anything. Just the freedom to choose what to do.

No minimum initial fee.

No minimum amount to invest.

No annual fee.

Knowing it is not important that you have £10,000,  £100,000 or £1,000,000.

Fees are the same.

Costs and Fees

A simple structure built for all

£100 per hour

or part thereof

eg:  1.5 hours = £150.00, 3.5 hours = £350.00

Travel:  £0.45 ppm HMRC 

eg: 20 miles = £9.00, 40 miles =  £18.00

 

LPA services:

  • £160 - single LPA
  • £300 - two LPAs
  • £450 - three LPAs
  • £600 - four LPAs

(+ OPG Registration costs - £82 per LPA)

 

Includes:

  • Face to face consultancy
  • Telephone consultancy
  • Zoom Consultancy
  • Meeting notes compilation
  • Research and Investigation
  • Report writing
  • Special project work
  • Risk and Performance analysis
  • Existing holding assessment
  • Suitability assessment
  • Existing Portfolio review

 

The Process

Niche Consulting enables clients to engage in discussion, ask questions, explore Ideas,
talk about opportunities, gather information, compare alternatives, examine existing and previous decisions made.

All in the knowledge that there is no expectation of levels of fees to be reached, commitment to be sought, agreements to be signed, and that it does not matter if you have no capital or income to invest or hundreds of thousands to invest, the cost of guidance is the same.

Qualifications

Director Paul Wheatley

MLIBF: Member of the London Institute of Banking and Finance.

Dip F A : Diploma in Financial Advice.

Cert PFS: Certificate in Personal Financial Services.

CeMAP: Certificate in Mortgage advice and Practice.

CeRER: Certificate in Regulated Equity Release.

FHD: Finance Houses Diploma.

Member: of the Personal Finance Society.

Member: of the Chartered Insurance Institute.

Registered: with the Financial Conduct Authority.

Member: of the Life Insurance Association.

Member: of the ICAEW Financial Planning Forum.

Member: of the Finance Houses Association

GUIDANCE

"Is an impartial service which will help you identify your options and narrow down your choices but will not tell you what to do or which products to buy." 

The decision is yours.

Recent surveys by 'My Pensions Expert' found that 34% of British retirees felt they would not be able to maintain their desired lifestyle in retirement due to the cost-of-living crisis. The surveys showed a staggering 37% of those aged over 55 surveyed stated, they consider retirement an impossibility for the 'foreseeable future'.

Unbiased financial guidance for you.

Answering your questions. Giving you the ability to ask and receive what you want, your way. Your costs will be fully explained and clear.

Looking after your own investments and pensions?

But still need some guidance and a financial walking stick to help you stand confident in your decision-making. Being better informed. Building the foundations of your financial knowledge.