FAQs
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. In the unlikely event that your provider is unable to pay claims because it has stopped trading, you may be able to claim from the FSCS. You can find out more by visiting www.fscs.org.uk
Yes, we are insured to give financial advice and maintain professional indemnity insurance to a level specified by the FCA.
Yes, you can choose either in-person meetings or video calls. We feel meetings are best held in person, as this leads to better discussions and outcomes.
Yes, we are happy to provide an example of a financial plan so you can see how this works and the real benefits this can provide.
We do advise on investments such as ISAs along with a range of other tax-efficient savings products.
Yes, we can advise on most types of occupational pensions.
We can advise on personal pensions. Many of our clients have questions about their personal pensions, as this can often be a confusing financial topic full of jargon and technical buzzwords.
Yes, we do advise on a wide range of protection policies such as life insurance, critical illness cover, income protection and private medical insurance. We always ensure these are suitable policies that are tailored to your needs to provide the right cover if the worst does happen.
We can advise on self-invested personal pensions (SIPPs). SIPPs are a useful way to help save for your future, and having the right pension in place can help achieve your retirement goals.
We are always happy to work alongside your other advisers, such as a mortgage adviser, accountant or solicitor.
Losing a loved one is hard enough, and many people struggle to manage their finances after a bereavement. We understand the challenges this brings and how to best advise our clients to navigate this difficult time.
Advising on how to invest inherited money is a need we often help our clients with. It is important to have the right strategy in place to make the most of any inheritance.
Yes, we can help clients who have recently sold or are in the process of selling their business. This is a monumental change in our clients’ lives, so we know how vital it is that the financial advice they receive suits them and their goals. Great financial advice can make a real difference in living the life our clients want after they have sold their business.
Yes, we can help if you already have existing investments or pensions elsewhere. As part of creating your financial plan, we will make recommendations on whether your existing investments or pensions are still suitable or if it would be more beneficial to transfer and consolidate these with a different provider.
We can help consolidate multiple pensions. We always make sure this is in your best interests before recommending any consolidation.
Advising on how to invest an inheritance is a common area we help our clients with. It is important to have the right strategy in place to make the most of any inheritance.
During our initial discussions, we will build with you a picture of what you want your retirement to look like and then help you put in place a strong financial plan to make this a reality.
We have had the privilege of helping many clients retire early. Being able to retire at an age to suit you and your lifestyle is a core part of good financial planning.
We help many clients take their pension in the most tax-efficient way possible. Having the right pension withdrawal strategy in place to minimise tax is an effective way to keep more of your hard-earned money.
We can help advise clients who are interested in ethical or sustainable investing. More and more of our clients want to discuss ethical and sustainable investing, so we have a range of options to help suit your needs.
Yes, we can help with Inheritance Tax planning and estate planning. Each year, the amount of Inheritance Tax the UK population is paying continues to grow, which has raised awareness of the need to have the correct Inheritance Tax and estate planning strategy in place.
Yes, we happily work alongside your accountant or solicitor. In fact, we strongly believe a good financial plan goes hand in hand with a good legal and tax plan.
The initial meeting is at our expense and there is no cost to you. It provides a great opportunity for us to find out more about you and what you are looking to achieve. It also gives you a chance to find out more about us and how we work.
No. Our initial meeting is very much a discussion, and there is no obligation to sign up to our services if you feel this is not right for you.
No, as nearly all of our fees are not subject to VAT. In the rare circumstances where VAT is chargeable, we make sure to inform you in advance.
The vast majority of our fees are agreed in advance and are not paid via commission. The only exception to this is with certain insurance policies, which are still paid via commission. However, this is disclosed far in advance of any policy being agreed.
Yes we do. Our genuine client reviews can be viewed online on Google or on VouchedFor. We also have several client video testimonials on our website.
We have several clients who have kindly provided their own stories as video testimonials on our website. We know how powerful honest client stories are and encourage any potential clients to view these testimonials to see our client’s authentic views and the benefits of our advice.
Our initial consultation is at our expense and there is no cost to you. It provides a great opportunity for us to find out more about you and what you are looking to achieve. It also gives you a chance to find out more about us and how we work.
Yes, we do offer advice on long-term care and later-life planning. As the population of the UK who are in later life grows, we understand the importance of giving the right advice to help those with long-term care and later-life planning needs.
Yes, we include cashflow forecasting and planning as part of our service. We believe that cashflow planning is essential to great financial advice and include it as a standard part of our service.
We proudly provide independent financial advice. We are not tied to any product or provider, which means our advice and recommendations are based purely on what is best to achieve your goals.
Yes, we provide an online portal for our clients to be able to securely view their investments.
We have many years of experience working with business owners, retirees and professionals. What is key is understanding their unique position, what they want to achieve, and the most effective way to achieve their ambitions.
We do work with those clients who are approaching retirement or who are already retired, as often they find that financial advice can make a real difference in having a long and happy retirement. Knowing they have the right financial plan in place, so they don’t have to worry, is key and brings long-term peace of mind.
We often work with and advise company directors and self-employed clients. Negotiating the financial world can be difficult enough without having to run a business, so we understand the need to have the right financial advice so these clients can concentrate on what they do best.
Yes, we do work with younger clients who are still building wealth. We find that younger clients may only need a lighter touch service, but we always make sure that any advice we give adds value to those still building wealth.
White Stone Financial Planning Ltd is regulated by the Financial Conduct Authority and entered on the FCA register.
Please get in touch with us so that we can book a convenient time to meet. You can contact us online, call us on 01827 247017, or by email at enquiries@whitestonefp.com.
You can view the FCA register and check the authorisation status for White Stone Financial Planning Ltd under number 991595 and for our lead adviser Matthew Naylor under number MTN01019.
We understand the importance of offering competitive fees that allow us to provide effective financial advice that delivers real value to our clients. Each year, we undertake research looking at the financial advice market to ensure these remain competitive and great value for our clients.
The majority of our clients will pay a one-off initial fee for our advice, producing and implementing their financial plan. We also charge an ongoing advice fee to provide our ongoing service.
We fully recognise that the lawful and correct treatment of your personal data is very important to provide accurate financial advice and to maintain your confidence in ourselves. We have strict processes, controls and technology in place to help protect your personal data and to keep this secure.
We invite all our clients to leave a review on Google or on VouchedFor and encourage them to leave their genuine views on our advice and ongoing service.
We believe our fees compare well to those of other advisers and planners. Our advice and ongoing service are designed to bring real benefits and value. While we are not the cheapest, our fees allow us to provide outstanding financial advice in a sustainable way over the long term.
White Stone Financial Planning has been providing independent financial advice for over three years to clients across the UK.
Our initial meeting typically lasts around two hours. This gives us plenty of time to discuss your key priorities and for you to find out more about how we can help you achieve these.
Your financial adviser will stay in regular contact with you throughout the year. We have our annual review meeting, regular monthly newsletters, important updates for major events such as the Budget, and our half-yearly catch-up calls all included as part of our ongoing service.
We have an annual review at least once a year with our clients who receive an ongoing service on their investments. This is included as part of our ongoing service and gives us a vital opportunity to review your financial plan, make sure this is still on track and make any changes as needed.
We work with clients across the Midlands and wider UK. This includes Lichfield, Sutton Coldfield, Coleshill, Burton upon Trent, Barton-under-Needwood, Ashby-de-la-Zouch and Coalville. We also work with clients in Derby, Nottingham, Sheffield and Birmingham.
The most important thing to bring is an open mindset to discuss your financial world and what is important to you. It is also useful if you have an overview of your current financial position but don’t worry about getting every small detail at this stage as we can easily get this later. If you have any specific plan or policy you want to discuss, then please bring along a recent statement.
We understand that your circumstances will change over time, both in planned and unpredictable ways. For this reason, we know it is important to be able to adapt your financial plan and our advice to suit your changing circumstances.
We all need a break at times, but this shouldn’t impact the advice or ongoing service you receive. We ensure a qualified financial adviser is in place to cover any holiday periods, so there is always someone available who can help.
While we hope it is never needed, we know it is vital to have a robust and efficient process to handle any complaints. We have a complaint handling process, and this can be located on our website, or please ask us for a copy, which we will happily supply.
Our first meeting will focus on you, your key priorities and give you time to find out more about how we can help you achieve your goals. We ask lots of questions but don’t worry, its nothing too taxing, and more about working with you to find out what is truly important to you and how we can help you achieve this.
Our FCA number is 991595.
We put our clients at the heart of everything we do and provide great financial advice personalised to their needs. Our firm was founded on the basis of client’s being treated as individuals with their own unique priorities and that they should never be treated as just another number on a corporate spreadsheet.
We advise a wide range of clients from different backgrounds and careers. We typically work with clients who are either small business owners, professionals, people in their 50s building their wealth, or clients getting ready for, at, or in retirement.
We can meet at our offices in Tamworth, and we are more than happy to come see you at your home or at your work offices. Of course, if your preference is to meet virtually, then we can easily arrange an online meeting to suit your needs.
Our office is located in Tamworth and we happily work with clients outside of our local area. This includes Lichfield, Sutton Coldfield, Coleshill, Burton upon Trent, Barton-under-Needwood, Ashby-de-la-Zouch and Coalville. We also work with clients further away in Derby, Nottingham, Sheffield and Birmingham.
You will be able to view your investments online either via our portal or directly via the investment provider’s website.
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