Small Businesses

Ensure your clients are given the highest standard of advice and create a new revenue stream
for your company

Whitchurch IFA Ltd was created to offer highly qualified, whole-of-market independent financial advice from a low cost business model. This model lends itself well to professional introducers as we are able to maintain extremely high standards for our clients whilst offering market-leading introducer rates - we pay our introducers a percentage of ALL recommendations made to their referred clients. The proposition we can offer introducers is therefore quite unique and highly profitable.

We operate a pure hand-off model under an introducer agreement to minimise introducer liability and we pay a percentage remuneration on ALL accepted business recommendations provided to the client from the introduced meeting, not just on the service for which you refer each client. This can provide a significant revenue stream into your business without the hassle and liability of applying for and maintaining authorisation to provide financial advice through your own company.

Key Services we can provide for your clients

 Project financing - is your client taking a further advance, re-mortgage, buy-to-let mortgage or a second charge loan to finance their project?  Professional advice will ensure they are recommended the most suitable option for them on the whole of the market and generate a referral fee for you.  Refer your project clients to us.

 Partner and shareholder protection schemes - ensure your business or your clients' businesses can continue running if one of the partners/co-directors were to die whilst making sure their families are well protected.

 Will-writing, Lasting Powers of Attorney and estate preservation planning for your clients and yourselves.

 Life reviews - ensure your clients are protected in the most suitable and cost-effective manner fromt he whole of the market.

Group pension schemes for your employees in exercise of your upcoming legislative obligation to auto-enrol.  For more information, click here to read Business Link's page on auto-enrolment.  Business Link is the government's online resource for businesses.

Employee benefit packages to reduce staff turnover, i.e. income protection, private medical insurance and group pension schemes (see NEST)

 Pension services, including SSAS and SIPPS schemes which may allow you to lend backto your company from your pension funds or purchase your commercial property through your pension.  These can offer massive tax benefits if they are suitable for your company.

Franked-income investment portfolios for tax efficient investing from within your company

We pledge to guard your professional reputation as vigilantly as we guard our own

Our success, like yours, is dependant on our professional reputation.  To protect this we have strict policies and processes in place to both serve our clients and protect their interests.

When Whitchurch IFA was founded we created a document detailing the core principles, policies and processes we would abide by and this was submitted to the FSA with our application for authorisation.  This document protects our clients and creates a template by which our professional and technical success can be judged by our regulator.  We invite you to examine it by 
clicking here.

Data protection and IT security is a high priority and we retain high IT proficiency skills to ensure these areas are never compromised.  Our data protection and IT security policy can be found by clicking here.

The highest standards of independence, professionalism
and service for your clients and regulators

We maintain strict independence and will hold no obligation to any bank, building society, investment provider or life office.  We are not part of any group or network but are truly independent and directly authorised by the Financial Services Authority.  This combined with our low cost base make us a prime recommendation for professionals who must justify their choice of introduction to their clients and their regulating bodies.

We are interested only in long-term client relationships and will advise strictly in the best interests of our clients at all times. We follow a strict policy of NOT selling to clients; we maximise cross-recommendations by considering all areas of liability and opportunity on our clients' behalf, not by pushing products.

For the enhanced protection of our clients we have engaged a third party compliance-services firm who will provide a “second opinion” file-check prior to applications being written for ALL client advice, not just traditionally high risk areas. We provide our introducers with documentary evidence of our policies and principles, qualifications, authorisations and professional indemnity cover prior to accepting referrals. We also ask that our introducers provide us with the same or equivalent as appropriate.

Service into 2013 and beyond

In 2013 the minimum qualification requirements for ALL financial advisers in the United Kingdom will increase substantially as a result of the Financial Services Authority's Retail Distribution Review – we have already attained this level and above. Unfortunately there are no “grandfather rights” for this new ruling and advisers who do not attain these qualifications will not be able to continue trading. We will.

Furthermore it is expected that RDR will prevent advisers taking commission from new investments and trail commission from existing investments unless justified – our business model is designed around this policy from the outset. Other practises who have profited from taking high percentages of clients' funds annually must now fully justify these payments or cease taking them.  

Next Steps

If you like to talk about this proposition, do feel free to contact us.

Telephone:   02920 009 479 

Or you can message us from this website by clicking here.