Over the last decade, Mike’s wise handling of my investments has consistently delivered a growing ‘bottom line’. With a portfolio ranging from the conservative to adventurous, it’s testimony to his knowledge and expertise that such positive results have been achieved through some very challenging economic times. Alongside Mike’s breadth of financial skills, he also combines high levels of customer service with strong personal integrity – a rare combination these days.R F, West Sussex
Independence & Financial Products
Montgo Consulting Ltd is an Independent Financial Adviser and has been so for many years. Independence means IFAs represent their clients rather than any insurance or investment provider, unlike the company sales representative. This distinction means that an IFA is able to assess companies and products objectively without the inevitable bias from company marketing departments. In addition independence requires IFAs to survey the whole market for the most suitable provider.
At the end of 2012 the definition of independence widened under new regulations. Historically many IFAs did not recommend certain types of products for example National Savings & Investments, Exchange Traded Funds (ETFs) or investment trusts, usually because they did not pay commission. Independence now requires IFAs to offer unbiased and unrestricted advice by considering the full range of “Retail Investment Products” that might be suitable for meeting clients’ needs and objectives.
Advisers who do not offer advice on the full range of Retail Investment Products will have to hold themselves out as offering restricted advice even if they survey the whole market when making a recommendation of a product provider.
The advice and arrangement of financial products is only part of the service I offer; general financial advice, tax planning and investment reviews are other key elements.
Beach, Seven Sisters, near Eastbourne
Montgo Consulting Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Montgo Consulting Ltd’s FCA firm reference number is 606440.
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31 Beach Road, Eastbourne, East Sussex BN22 7EY • 01323 735303