SEnse Financial Solutions
 

Who we are

Directors
  Financial Planners   Mortgage Consultant
Karl Guadagnini   Shirley Burns   Russel Ward
Nick Manders   Wayne Godwin   Administration Staff
Neil Marshall   David Murden   Zena Louth
    Justin Stockdale   Kathryn Manders
    Simon J Welch   Andrea Marshall
         

How we work

We offer all prospective new clients a free, no obligation, one hour initial consultation.  The purpose of the meeting is to establish how we can assist in helping you to achieve your financial goals and objectives.  We will undertake a preliminary review of your financial situation and establish a realistic assessment of what you need to do.  We will also discuss with you how we can be paid for work that we agree to do and give you the opportunity to appoint us.

If you decide that working with Sense Financial Solutions is the best way forward then we will either carry out a full financial review of your situation, including protection and pension arrangements, savings, investments and estate planning matters or we will undertake specific work that you request us to do. This could involve a specific review of your current arrangements and circumstances in relation to particular issues you feel require attention or could involve your entire financial situation.

Our emphasis is on providing specific advice to meet your needs and we will only recommend products and providers after evaluating all the options available.  Once you have considered the recommendations we will agree with you an implementation programme and take care of all administrative matters including liaising with existing providers on your behalf.

Once your plans are in place we will provide ongoing support in the form of regular reviews and meetings. An ongoing relationship with our clients has always been integral to our business, as we believe that it can add significant value to both individuals and businesses.

How we are paid

Most of our work is done on an agreed fee basis and will be a matter of discussion and agreement at our first meeting. The fee can be paid to us directly or we can arrange for it to be paid by the product provider from any business we place for you. No charges for fees will be made without prior notification in writing.

Protection products such as life assurance and income replacement continue to pay commission. The amount and how it is paid to the adviser varies and is dependent upon the type of product. We will reflect this commission in the fees we charge. Occasionally the commission will be more than appropriate and in these circumstances we will rebate a proportion of the commission back into the product or agree a fixed fee for the work.

Sense Financial Solutions offers a range of services to both new and existing clients. These services include a comprehensive plan covering the whole of a client's financial situation, along with separate specific modules for those clients who have a need or concern about particular aspects of their financial situation.

Additionally, many of our clients have chosen to work with us on a retainer basis where for a fixed annual/monthly fee they receive regular reviews, advice and formal meetings.

In servicing our clients' arrangements it is sometimes necessary to carry out work which goes beyond that of a normal review and, in these cases, we would agree with you a fixed fee or hourly rate for undertaking the work on your behalf. An invoice would be usual on completion of the work.

We will always discuss your payment options with you and answer any questions you may have. Our client fees are agreed in advance, clear and easy to understand. Details of our fees structure can be found in the our Client Service Proposition.

This website is intended for investors over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide as well as possible areas of clients’ financial planning needs. We hope they are helpful to you but they do not, on their own, add up to proper investment advice and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. They are not detailed or comprehensive enough to enable you to make an informed decision which is tailored to your circumstances and needs. Please contact us now for tailored advice.


    Sense Financial Solutions    
  Sense Financial Solutions

The guidance and advice contained within this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.Sense Financial Solutions is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 616273.Sense Financial Solutions Ltd is registered in England & Wales at Companies House, number 5313395.Registered Office: 43 Walcote Drive, West Bridgford, Nottingham, NG2 7JQ
This site and its contents are ©2014 Sense Financial Solutions. No reproduction without permission.
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