Personal Financial Planning

The need for Independent Advice

Clearly advice should not be taken from the provider of a financial product as they have a vested interest in offering their product even when they know it to be unattractive.

To use an analogy would you expect the Ford Motor company to tell you that a Nissan Motor car was the most suitable for you.

The need for holistic advice

Pharon's highly qualified team of advisers have been trained to cover all aspects of financial planning and the technical back up team has significant research facilities to ensure the completeness of advice.

All advice provided is from an Adviser Registered with the Financial Services Authority and checked by another Registered Adviser.

The advice Pharon provide will not be limited to a specific product or service but will have taken into account your individual circumstances and the surrounding taxation and social security structures that could impact on you.

The unexpected savings

Many Pharon clients have expressed surprise and pleasure over the years that the complete service offered has resulted in savings and benefit enhancements that were not expected.

A simple example will illustrate.

A client approached Pharon and asked for information on a pension plan. A full fact find was completed and a report provided which identified that the client held a Level Term Assurance effected to cover a bank loan. Pharon were able to offer a replacement Level Term Assurance at half the cost. This saving was redirected to the pension plan substantially enhancing the retirement benefit that could be achieved.

CLICK HERE to request this service.