Why Do I Need a Financial Advisor?

At many points in life you will be making financial decisions – be they obtaining a mortgage, paying off a credit card bill, paying an overdraft, planning your retirement (you will not always be young!), or even putting aside a part of your income and time each year to plan a luxury holiday! Yes, some of your colleagues, friends or favourite uncle, may be able to give you ideas - but an Independent Financial Advisor is likely to have a lot of information about what is available in the market, and we will be able to help you plan for the bigger picture – long term!

We will offer you advice in plain English – explaining every complication and every piece of jargon – that you are able to save, clear debt or handle your inheritance/lottery win, with every confidence. At the same time, we charge on a fee basis – rather than taking commission from the supplier – and thus we do not lure you into investing in products that would result in high commission payments for us! We earn our income through fees.

Building Societies, Banks and Accountants – they all have their uses and primary purposes/specialisations – but they are not financial planning and advice. Being Independent, Ragbourne Consulting is able to offer comprehensive unbiased advice in its true sense.

An advisor can be tied – employed by and representing one financial company, and as such can only effectively advise on their products. On the other hand, he can be independent – able to search the entire market for suitable products - and, he is employed by you!

Ragbourne Consulting, a trading name under Ragbourne Limited, is an appointed representative of Burns-Anderson PLC, which is authorised and regulated by the Financial Services Authority.