Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Is Financial Advice too expensive?

A recent survey found that nearly 6 million extra people would be prepared to pay for financial advice if it cost less.

The question I would have asked is whether the cost of using a regulated financial adviser is value for money compared to using one of the user friendly, online, no advice, platforms such as Hargreaves Lansdown.

Having been a financial adviser for many years I absolutely believe that for many people, who have neither the time or inclination to pay attention to their financial planning, or have complicated issues, there is no alternative to using a financial adviser whatever the cost.

However for those people whose affairs are fairly straightforward and/or are prepared to pay attention I believe the “no advice” platforms provide a good solution. The guidance, information, calculators and education which are available are extensive. If anything there is an overload of information.

That is why I believe that there is a growing need for a guidance service such as that provided by my Retirement Coach Programme. For sure there are free guidance services provided by organisations such as the Citizens Advice Bureau and Money Advice Service but those services are very limited and not designed to provide ongoing guidance.

If you would like to hear what some clients have to say about my guidance services have a look at my testimonial page and let’s have a talk about whether my services are right for you.

In many cases you will be able to access guidance which is both professional and extensive on an excellent value for money basis. Clients also tell me that they feel far more in control of and confident in their financial planning once they get used to  the “no advice” platform processes.

Whether the cost of financial planning concerns you because you don’t have much money, or you have a pension fund of £500,000 and don’t believe the adviser is earning his/her fees of £5,000 per annum, you owe it to yourself to at least explore the alternatives.

Give me, Richard, a ring on 07770 575122 and let’s talk about the possibilities.

Please read the important information below.  It is important that all potential clients understand that I only provide guidance and not personal advice.


This document and our on going services are not personal advice. We'll give you all the help and guidance you need to make your investment and retirement decisions, but we can't advise you. If you're not sure whether you need regulated financial advice we can put you in touch with a suitably qualified and experienced regulated adviser. Because we are not regulated by the Financial Conduct Authority you will not have access to the Financial Ombudsman Service in respect of any complaints. If you use one of the "no advice" on line services to handle investment transactions they will be Regulated and you will have access to the Ombudsman and The Financial Compensation Scheme in respect of their services. The value of investments/pension plans can fall or rise depending on market performance. The Retirement Team and The Investment and Retirement Coach are trading names of Capture Success Ltd Reg No 01825075 Tel 07770575122

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