Our Services

Our Independent Financial Advisors will provide a comprehensive review of your personal or company circumstances, which include:-

  • Your financial future, this helps us to tailor the right strategy for your needs

  • Your retirement plans and pension products

  • Your tax liabilities and how we can reduce them

  • The performance and spread of risk in your investment holdings

  • Areas wherein you hold personal risk and what we can do to minimise this risk

  • The need for any Trust planning

Products

As Independent Financial Advisors we will look at a huge range of products to suit your needs, including but not limited to:-

  • SIPPs and SSAS Pensions

  • Investments into stocks and shares

  • Business Protection, including Relevant Life and Key Person plans

  • Life Insurance, Critical Illness, Income Protection and Private Medical Insurance

  • ISAs and GIAs

  • Trusts

The first meeting will always be at the advisor’s expense and there is no obligation on either side to continue to do business after this meeting.

Confirmation of our fees will be outlined after this meeting if Charles Dean can help you with your needs and objectives.

Risk Warnings

Past Performance

Past performance is used as a guide only; it is no guarantee of future performance

Investment

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested

Estate Planning /Tax

Tax treatment depends on individual circumstances. Both your circumstances and tax rules may be subject to change in the future. Not all areas of Estate Planning or tax planning are regulated by the Financial Conduct Authority.

Protection

If premium payments are not maintained, the benefits of the plan will be put at risk. If premium payments cease altogether, the benefits of the plan will cease. The cover may be less than you need if you do not review it regularly.

VCT

VCT investments are high risk and not appropriate for everyone.  It’s important you understand the risk of investing in a VCT.  Note that the value of your investment may go down as well and up and you may not get back the full amount you invested.  Also, tax rules and regulations depend on personal circumstances and are subject to change.

Financial Ombudsman Service

Complaints about regulated activities that Charles Dean Ltd has permissions for may be covered by the Financial Ombudsman Service (FOS). If you have complained to the firm and we haven’t responded or you aren’t satisfied with the response, you can contact the Financial Ombudsman Service for help. More information can be found at https://www.financial-ombudsman.org.uk/

To talk to us about how we can help you, please ring

01623 287984