First Meeting Instructions

We understand that doing anything for the first time is always hard, so we will do all we can to make your first meeting with us easy. This page contains all the information you will need to ensure you get the maximum from your meeting with us.

We have a car park

You can park immediately behind our office. You access the car park by leaving Chorley New Road at its junction with Queens Park Road, which leads to Bolton Hospice. The gate is on your left and gates remain open between 8.00am and 6.00pm. Our building is all the way to the end on your left.

Our 1 hour discovery meeting

Although we say an hour, that isn’t strictly true; it may take more than an hour to fully understand what you are looking for. Likewise we are not going to charge you to explain how we work with our clients. The cost of this meeting will be fully borne by us.

If you need to re-appoint the meeting at short notice

No problem, simply phone the office and we will be happy to check Howard’s diary and replace the initial meeting with a more convenient time.

What you need to bring to the meeting?

We are required under The Anti-Money Laundering Regulations 2007{{1}} to certify the identity and address of all our clients and potential clients. We understand that it is often annoying having these documents demanded by all and sundry and so I have put a brief explanation below{{2}} detailing why we need to see them.

We need to see the usual documents

Proof of Name can be provided by us seeing your passport and proof of address by way of driving licence.

If these documents are not available could you telephone us before our first meeting, as there may be some alternative forms of identification we can accept; we reserve the right to cancel the appointment if the best you can offer as proof of ID is only your shotgun licence!

We will need to see the original documents and will need to take a copy which we will keep on file.

Bring whatever else you want to

You would like some sort of advice and therefore something has initiated it. So if you have received some paperwork that you need help with, you should bring that with you at least.

Other items that Howard will find useful to help him to give advice include, but are not limited to the following;{{3}}

  • Details of any existing policies you have including pensions, isas, other investments and any life assurance plans etc.
  • Details of bank deposits including the interest you receive if it is a fixed rate
  • Any tax documentation you have including notice of coding, P60s
  • Details of other assets you own, such as homes, investment properties and businesses
  • Details of any liabilities, such as mortgages, bank loans and credit card debt.

If you would like to do a little homework online before you meet us, it is well worth visiting the FSA website{{4}} where you can obtain general information about financial advice. www.fsa.gov.uk

A further place to visit on the internet is the Wikipedia site that best explains how Fee Only advisers like ourselves work. The link to take you to that document is
en.wikipedia.org/wiki/Financial_adviser#Fee-only

Howard and the rest of our team look forward to meeting you. In the meantime if you have any problems, do not hesitate to e-mail us or contact us on the telephone.

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[[1]] What is money laundering?
Money laundering is exchanging criminally obtained money or other assets for ‘clean’ money or other assets with no obvious link to their criminal origins. It also covers money, however come by, which is used to fund terrorism.[[1]]

[[2]]Why does the UK have anti-money laundering regulations?
The Anti-Money Laundering Regulations play a crucial role in safeguarding the UK financial system from organised criminals and terrorists.[[2]]

[[3]]Why do you need so much information?
Before we can give any advice, we need to know our client. Otherwise whatever we recommend might not be suitable.[[3]]

[[4]]Who is the FSA?
The Financial Services Authority regulates the financial services industry. They are the financial policemen who help to protect consumers by monitoring all parts of our industry from major international banks to small firms like ourselves.

Their address is
25 The North Colonnade
Canary Wharf
London
E14 5HS
Tel 0845 606 1234[[4]]