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PostPosted: July 20th, 2009, 7:22 pm 
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Joined: November 24th, 2007, 12:50 am
Posts: 33
I am buying in Calabria like many others, and thought I would offer my services to anyone interested.

I am an Independent Financial Adviser and can help anyone who is looking for help and guidance with other financial decisions in their lives.

Whether it is guidance with your savings and retirements goals, worried about your income when you retire, information on potential inheritance tax liabilities, or just a general review of your current financial situation, I and my team can help you.

We use the best research and technology available to identify solutions for your protection, investments and pension needs and objectives.

Two main areas at the moment are
a) reviewing a potential income shortfall in retirement
b) ways to minimise chargeable events on death and/or withdrawals from capital investments - ideal for non-domiciles or those looking to move abroad.

If you would like a free review, please PM me with your contact details and what type of advice you are interested in, and I or one of my team will be in contact you.

Francesca CertPFS, CeMap


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PostPosted: July 20th, 2009, 11:20 pm 
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Joined: July 20th, 2008, 11:45 pm
Posts: 61
Arrowsmith wrote:
I am buying in Calabria like many others, and thought I would offer my services to anyone interested.

I am an Independent Financial Adviser and can help anyone who is looking for help and guidance with other financial decisions in their lives.

Whether it is guidance with your savings and retirements goals, worried about your income when you retire, information on potential inheritance tax liabilities, or just a general review of your current financial situation, I and my team can help you.

We use the best research and technology available to identify solutions for your protection, investments and pension needs and objectives.

Two main areas at the moment are
a) reviewing a potential income shortfall in retirement
b) ways to minimise chargeable events on death and/or withdrawals from capital investments - ideal for non-domiciles or those looking to move abroad.

If you would like a free review, please PM me with your contact details and what type of advice you are interested in, and I or one of my team will be in contact you.

Francesca CertPFS, CeMap



What are your qualifications?


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PostPosted: July 21st, 2009, 12:21 am 
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Joined: November 24th, 2007, 12:50 am
Posts: 33
Hi martynellis

I personally have full the Financial Planning Certificate plus CeMap, and am currently studying for the Diploma in Financial Studies.
I have been in the industry now for over 15 years.

In summary:
FPC1 Financial Planning Certificate paper 1
FPC2 Financial Planning Certificate paper 2
FPC3 Financial Planning Certificate paper 3
CeMap Mortgage Advice qualification
CF2 Investment & Risk

I specialise in personal pensions, trusts and inheritance planning as well as lump sum investments.

All of our Financial Advisers have more than 10 years experience and therefore know the market inside out. All are fully qualified and some specialise in certain areas such as mortgages, investments or Group Pensions. If there is a particular area that you need help on then please let us know so that we can match your needs to a specialist in that area.

You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all). This advice will be delivered in a manner which cuts through the industry jargon and makes it easier for you to understand.

I hope that helps.


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PostPosted: July 21st, 2009, 7:46 am 
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Joined: July 20th, 2008, 11:45 pm
Posts: 61
Thanks. What are your fees?


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PostPosted: July 21st, 2009, 9:05 am 
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Joined: January 20th, 2008, 1:32 pm
Posts: 439
Who are you regulated by?


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PostPosted: July 21st, 2009, 10:44 am 
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Joined: November 24th, 2007, 12:50 am
Posts: 33
Hello gsullymorgan and martynellis

We are regulated by the Financial Services Authority (No 194914)

The payment choice is yours. We can either charge a fee (fixed or time related) or we can retain commissions payable by product providers instead of charging a fee.
The commission route is the one that most people are familiar with. This way, we are paid out of the cost of any financial product you buy and not directly from yourselves.
We will always tell you about any commission we earn and the costs involved for the products that we recommend.

a) Commission is paid to an IFA firm by a provider, usually an insurance company or an investment house for the successful placing of business. The commission is included within the providers normal product charges, so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or sums invested.

b) Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees may attract an additional VAT charge whereas commissions, under current legislation, do not.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges or fees will be made without prior notification in writing.


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PostPosted: July 21st, 2009, 11:26 am 
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Joined: July 20th, 2008, 11:45 pm
Posts: 61
Arrowsmith wrote:
Hello gsullymorgan and martynellis

We are regulated by the Financial Services Authority (No 194914)

The payment choice is yours. We can either charge a fee (fixed or time related) or we can retain commissions payable by product providers instead of charging a fee.
The commission route is the one that most people are familiar with. This way, we are paid out of the cost of any financial product you buy and not directly from yourselves.
We will always tell you about any commission we earn and the costs involved for the products that we recommend.

a) Commission is paid to an IFA firm by a provider, usually an insurance company or an investment house for the successful placing of business. The commission is included within the providers normal product charges, so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or sums invested.

b) Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees may attract an additional VAT charge whereas commissions, under current legislation, do not.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges or fees will be made without prior notification in writing.


Hi Francesca - is that a pseudonym, by the way? (There is no-one listed on the FSA register by the name of Francesca under the above FSA number)!

I can't really blame you for canvassing for business on a forum like this - I had to do similar things when I started as an IFA - good luck! :)


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PostPosted: July 21st, 2009, 11:45 am 
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Joined: November 24th, 2007, 12:50 am
Posts: 33
Hi Martynellis

No not a pseudonym. I am self-employed and in the process of registering with the FSA with this local firm - which as you know can take up to 45 days to be actioned.
We are appointed representaives of Sesame Ltd.
I work from home, but am more than happy to hand out both the company's and my, full contact details to those having genuine enquiries.

And yes, through various discussions from this forum I realised many people needed help with their financial situations but never knew who to talk to.
As soon as I mentioned my profession, I received some genuine enquiries who we have given help and advice to.
Based on that, I thought I would let others on this forum aware of my services.


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PostPosted: July 21st, 2009, 1:14 pm 
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Joined: July 16th, 2008, 10:39 pm
Posts: 108
Hello Francesca
After what looks like the initial interragation is over-
Good Luck! I,m sure many people on this forum will be very glad of your professional help and advice.
Best Regards
Wendy & Gary


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PostPosted: July 21st, 2009, 1:56 pm 
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Joined: July 20th, 2008, 11:45 pm
Posts: 61
Arrowsmith wrote:
Hi Martynellis

No not a pseudonym. I am self-employed and in the process of registering with the FSA with this local firm - which as you know can take up to 45 days to be actioned.
We are appointed representaives of Sesame Ltd.
I work from home, but am more than happy to hand out both the company's and my, full contact details to those having genuine enquiries.

And yes, through various discussions from this forum I realised many people needed help with their financial situations but never knew who to talk to.
As soon as I mentioned my profession, I received some genuine enquiries who we have given help and advice to.
Based on that, I thought I would let others on this forum aware of my services.



Sorry if it sounded like an interrogation. It's just that I have seen examples of people portraying themselves as experienced IFAs on forums, when they are nothing of the sort! You sound as if you are responsible and professional in your approach.

Genuinely, good luck. I consider myself fortunate that I don't have to do any marketing any more - more work than I can handle, actually - but I do remember those earlier days when new clients were extremely hard to come by! (That is not meant to sound in any way patronising, by the way, just a recognition of how tough it is being a self-employed IFA... especially in these credit crunched times)! :wink:

In case you are wondering:

Martyn Ellis AIFP, DipPFS
Director, Kerry London Financial Services Ltd
FSA registration: 134469


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PostPosted: July 21st, 2009, 5:07 pm 
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Joined: September 25th, 2008, 6:31 pm
Posts: 141
Yes, Martyn, glad you dont do anymore marketing...lol!!!...By the way, thanks for letting everyone know your FSA number, your qualifications and the name of your company...lol !!!...Sooo funny !!!...Hoping your subtle marketing techniques will genuinly bring you as much business as Arrowsmith's blatant marketing approach. Desperate times does mean desperate measures...Good luck to both of you.
By the way, I guess both of you are CeFA qualified IFA.....I have been told that they are the best.

martynellis wrote:
Arrowsmith wrote:
Hi Martynellis

No not a pseudonym. I am self-employed and in the process of registering with the FSA with this local firm - which as you know can take up to 45 days to be actioned.
We are appointed representaives of Sesame Ltd.
I work from home, but am more than happy to hand out both the company's and my, full contact details to those having genuine enquiries.

And yes, through various discussions from this forum I realised many people needed help with their financial situations but never knew who to talk to.
As soon as I mentioned my profession, I received some genuine enquiries who we have given help and advice to.
Based on that, I thought I would let others on this forum aware of my services.



Sorry if it sounded like an interrogation. It's just that I have seen examples of people portraying themselves as experienced IFAs on forums, when they are nothing of the sort! You sound as if you are responsible and professional in your approach.

Genuinely, good luck. I consider myself fortunate that I don't have to do any marketing any more - more work than I can handle, actually - but I do remember those earlier days when new clients were extremely hard to come by! (That is not meant to sound in any way patronising, by the way, just a recognition of how tough it is being a self-employed IFA... especially in these credit crunched times)! :wink:

In case you are wondering:

Martyn Ellis AIFP, DipPFS
Director, Kerry London Financial Services Ltd
FSA registration: 134469


Last edited by london37 on July 21st, 2009, 5:38 pm, edited 1 time in total.

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PostPosted: July 21st, 2009, 5:29 pm 
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Joined: July 20th, 2008, 11:45 pm
Posts: 61
Hehe, I suppose it could seem that way - but I genuinely do not need any more clients! In fact, I would not be able to give them a very good service, so that's the last thing I want in these days of "Treating Customers Fairly."

I was just demonstrating to Francesca that I know what I am talking about and understand what she is doing... backing her efforts, even. I have been a member of this forum for a long time and haven't used it for marketing before, so why would I start now?


london37 wrote:
Yes, Martyn, glad you dont do anymore marketing...lol!!!...By the way, thanks for letting everyone know your FSA number, your qualifications and the name of your company...lol !!!...Sooo funny !!!...Hoping your subtle marketing techniques will genuinly bring you as much business as Arrowsmith's blatant marketing approach. Desperate times does mean desperate measures...Good luck to both of you.

martynellis wrote:
Arrowsmith wrote:
Hi Martynellis

No not a pseudonym. I am self-employed and in the process of registering with the FSA with this local firm - which as you know can take up to 45 days to be actioned.
We are appointed representaives of Sesame Ltd.
I work from home, but am more than happy to hand out both the company's and my, full contact details to those having genuine enquiries.

And yes, through various discussions from this forum I realised many people needed help with their financial situations but never knew who to talk to.
As soon as I mentioned my profession, I received some genuine enquiries who we have given help and advice to.
Based on that, I thought I would let others on this forum aware of my services.



Sorry if it sounded like an interrogation. It's just that I have seen examples of people portraying themselves as experienced IFAs on forums, when they are nothing of the sort! You sound as if you are responsible and professional in your approach.

Genuinely, good luck. I consider myself fortunate that I don't have to do any marketing any more - more work than I can handle, actually - but I do remember those earlier days when new clients were extremely hard to come by! (That is not meant to sound in any way patronising, by the way, just a recognition of how tough it is being a self-employed IFA... especially in these credit crunched times)! :wink:

In case you are wondering:

Martyn Ellis AIFP, DipPFS
Director, Kerry London Financial Services Ltd
FSA registration: 134469


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PostPosted: February 24th, 2012, 6:08 am 
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Joined: February 24th, 2012, 6:04 am
Posts: 1
I am looking for independent financial advice, and accounting or legal advice. Please provide many any professional independent financial advisors, those provide me proper information and services on it.


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