“Are you totally independent?”
Do you know what? Yes, I really am. I've no axe to grind, and I'm not representing any companies or pushing products.
“Do you come recommended?”
As an adviser with AFH Wealth Management,
Hello, I'm John Clapham.
There are lots of reasons why you could need me. There might have been a change in your circumstances, and you need to know where you stand.
Maybe something's been on your mind for ages. But you keep putting it off.
A lot of people have what I call a 'time capsule pension' - one they stopped paying into some time ago. You might have one, and be wondering what to do about it. Changes in legislation and product flexibility could have opened up more options for you
Perhaps you've got money in the bank, but are unhappy with the interest rates and thinking of investing it somewhere else.
Maybe you have investments that haven't been reviewed in a while.
Business owners often consult me about areas such as reducing tax liability via Company Pensions (including their new legal requirements under the Pension Act), getting the tax man to pay towards their life cover and key person insurance. Private individuals ask about life cover, mortgages, equity release and pensions, including annuities and income drawdown.
So yes, there are all sorts of areas in which I can provide advice.
I've been in the financial services industry for 21 years, and before that I spent 8 years in an accountancy environment. I've got a few qualifications too. So you could say I've done my homework.
Essentially, I help you do three things: reduce your costs, minimise your risks and protect your assets. And it's all for one reason: the future security of you and your family.
I offer a free initial consultation, at a time to suit you. Please give me a call. I'll be happy to arrange it.