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Independent Financial Advisers (IFAs) Questions Answered

What is the role of IFA?  Independent Financial Advisers should provide independent financial advice on your pensions savings, investments and equity release on your property if you need some cash later in life. The is an argument that everyone needs an IPA. They can become your personal 'go to' stockbroker and general financial fixer. That is why I would suggest they you find one in or around Reading or at least within Berkshire. I would not recommend one miles away or never answered the phone. Another good way is personal recommendation. Ask a friend. Your IFA will be an important person in your life. You need to get them right!

How do IFA make money?
Some IFAs are on commission and others charge. Many people believe that if they are to be truly 'independent' they should not have a financial relationship with the funds that they recommend their clients to invest - as their advice will be biased in favour of the funds which pay them the best commission. The way to avoid this is to ask them and then pay them a fee for their financial advice. 

How do I find an IFA? Have a look below at the list of IFAs around Reading. They are reviewed. Personally I would create a shortlist and simply visit them personally. There is nothing like knowing your IFA. That is the advantage of having a local one

 

Investing for beginners


This is a serious video about investing in the stock market. Crucially you will end up with realistic expectations.

My father was a stockbroker. The only thing that ever annoyed him were banks. Currently their 'interest rates don't even cover inflation! Personally I have got very keen on 'tracker funds' which simply track the stock market and are very cheap and usually perform as well or better than investment managers or stockbrokers - who are seldom cheap! You will often end up with a London or large city based firm rather than one around Reading let alone Sonning CE Primary School ! However this does not matter. I have seldom met my stockbrokers. This said have a look below for financial advisers and stockbrokers that we have found with Berkshire.

Good luck! 

Independent Financial Advisers IFAs

Sky Blue Financial Planners

178-180 Oxford Rd, Reading RG1 7PL, UK – 0118 958 2425

2 May 2018 Testimonial to Gary Winchester and Doug Cowan at SkyBlue IFA's I approached Gary and Doug for advice on rearranging our family finances, having consulted other IFA's I thought I should check out some of the advice they had given. I am so glad I did that. As a team Gary and Doug came up with a plan which generated substantial monthly savings and had more flexibility in the future. SkyBlue made introductions to other providers and implemented their plan very efficiently, with the help of the rest of their team (Amy in particular). I would have no hesitation in recommending SkyBlue as a team and will be using them in the future in this area of financial planning. Paul Sampson Director

I have known Doug and Gary for about eight years and can cheerfully recommend Sky Blue for wealth management planning, mortgage brokerage services and general insurance advice - full marks!

Fox Payne Associates Ltd

10 Bridge St, Reading RG4 8AA, UK – 0118 918 7570

Bellpenny

6th Floor North, Reading Bridge House, George St, Reading RG1 8LS, UK – 0345 475 7500

Charles Stanley Reading

Dukesbridge Chambers, 1 Duke St, Reading RG1 4SA, UK – 0118 902 2800

N V M Private Equity Ltd

Forbury Court, 12 Forbury Rd, Reading RG1 1SB, UK – 0118 951 7000

Investment Companies - Business Angels

Prospect Estate Agents & Letting Agents Reading

24 King St, Reading RG1 2HE, UK – 0118 907 9849

Just want to say a big thank you to Ross and Josh and the rest of the team at Prospect for helping us through a very tricky move. Excellent personal customer service, always at the end of the telephone and much hand holding when needed. Some of the most lovely genuine estate agents I have encountered. We won't use anyone else in future, just brilliant service. Thank you for helping my wife and I and our children secure our beautiful new home!!

Thanks to Chase Jacobs for facilitating our move. He was professional, reliable and went out of his way to help. He was always enthusiastic and a pleasure to deal with. The process was handled so well and I have no problem recommending both Prospect and Chase to anyone looking for a new home.

Virtualstock

20 Valpy St, Reading RG1 1AR, UK – 0118 315 0950

Great place to work and has a biscuit tin!

Beaufort Financial (Reading)

Middle Barn, Bryants Farm, Dunsden Green, Reading RG4 9PB, UK – 0118 987 9400

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