FAQ

Are you authorised by the Financial Services Authority?

Yes we are. We are an appointed representative of the Sense network who are authorised and regulated by the Financial Services Authority.

Which providers’ products can you offer me?

We are independent and can offer you products from the whole of the market.

What qualifications do you have?

We are members of the main professional body, the Personal Finance Society. All our advisers hold the Certificate in Financial Services (CertPFS). Andrew and John also hold the Diploma (DipPFS) and the Advanced Pensions exam (AF3).

What are the options regarding payment?

We can be paid in one of two ways: via a fee from you or a commission from providers. Initial consultations are always free and we will always agree any fees or commissions with you before any costs are incurred.

What specialisms or services do you offer?

Heritage can advise in many areas of financial services ranging from Long Term Care planning to Stockbroking and Inheritance Tax Planning services. However, we consider ourselves as Pensions and Investment Specialists holding advanced qualifications and a wealth of experience in these areas.

When and where will meetings take place?

Many clients prefer to visit us at our Christchurch office during working hours although our advisers are happy to visit you at your home at a time convenient to you.

Could you show me some references from satisfied clients?

We have many satisfied clients who would be happy to give you feedback on the services we provide. Please get in touch if you would like us to refer you to them.

What happens if you leave the firm or retire?

Your relationship with your financial adviser will be an ongoing one. However, you can call on the services of any Heritage adviser should your usual adviser not be available. Our advisers range in age and are owner-directors, which means we are very unlikely to leave the firm or retire in the foreseeable future.