FAQs

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Find answers to some of the questions asked most frequently by our clients

 

Why do I need a financial adviser?

We are financial services professionals who take a holistic view of your financial situation and your goals in life. Using our experience, we are able to provide the best advice to help you meet these goals in the most effective manner.

Is HFB a regulated firm?

HFB Financial Planning Ltd is an appointed representative of Quilter Financial Planning Ltd, which is authorised and regulated by the Financial Conduct Authority.

Why does HFB offer a 'restricted' proposition rather than independent?

HFB is part of Quilter Financial Planning, one of the leading financial advice networks in the UK with a network of more than 3,300 financial advisers. The network analyses the marketplace on our behalf and provides a carefully chosen range of products and providers designed to meet the vast majority of needs.  On the rare occasion we are unable to meet your needs from this range we are able to search the broader market for an appropriate solution.

How much will advice cost me?

Ours fees are detailed within our ‘Terms of Business’, however each individuals’ circumstances are different therefore we are unable to confirm an exact fee before an initial consultation, which is free of charge. When we have learnt more about your finances and goals, we will advise you of our fee at which point you can decide if you wish to progress.

Is there a risk with my investments?

All investments carry a level of risk.  At HFB we use our ‘risk profiling tool’ to fully understand your attitude to risk and tolerance for loss.  We then advise you based on a suitable level of risk for your individual circumstance.  

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

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