Opal Financial Management Ltd is a national financial planning firm, consisting of Independent Financial Advisers (IFAs), mortgage and protection specialists. It is focused on helping individuals and businesses understand and plan for their financial future. We pride ourselves on our independent status, which is the key foundation of our business.
This ensures we can advise on financial products across the whole of the market. We do not act on behalf of any product provider, bank or insurance company, but solely in the best interests of our clients at all times. We are passionate about providing the best customer experience. All Opal Financial Management advisers pride themselves in building lasting, professional relationships in order to become the customers' trusted financial adviser.
We are committed to providing independent advice and constructing financial solutions using products from the whole of the market. Financial advice is provided exclusively by qualified and experienced practitioners and is regulated by the Financial Conduct Authority.
This ensures we can advise on financial products across the whole of the market. We do not act on behalf of any product provider, bank or insurance company, but solely in the best interests of our clients at all times. We are passionate about providing the best customer experience. All Opal Financial Management advisers pride themselves in building lasting, professional relationships in order to become the customers' trusted financial adviser.
We are committed to providing independent advice and constructing financial solutions using products from the whole of the market. Financial advice is provided exclusively by qualified and experienced practitioners and is regulated by the Financial Conduct Authority.
Services
We offer independent investment advice.
This means that we consider a wide range of financial strategies and products.
We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.
Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives.
We'll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand.
This means that we consider a wide range of financial strategies and products.
We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.
Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives.
We'll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand.
We offer both initial and ongoing services.
Any products we have arranged for you will only be kept under review as part of an agreed ongoing service for which you agree to pay.
Our ongoing services are optional, however where you agree to purchase an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service.
Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved.
Any products we have arranged for you will only be kept under review as part of an agreed ongoing service for which you agree to pay.
Our ongoing services are optional, however where you agree to purchase an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service.
Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved.
Our advised protection planning services are suitable if you are looking for the best way to protect you, your family or your business through products such as critical illness cover, health insurance and life cover.
We advise on noninvestment protection products e.g. term assurance, income protection and critical illness, from a range of insurers.
You can pay for our advised protection services by commission (where this is available) from the product provider.
Where we are paid by commission we will tell you the amount before we carry out any business for you.
We advise on noninvestment protection products e.g. term assurance, income protection and critical illness, from a range of insurers.
You can pay for our advised protection services by commission (where this is available) from the product provider.
Where we are paid by commission we will tell you the amount before we carry out any business for you.
Our mortgage services are designed to provide you with the best mortgage solution for your needs.
We advise on mortgage products, this means that we will make a recommendation for you after we have assessed your needs.
We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender.
You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you that may be more appropriate.
We advise on mortgage products, this means that we will make a recommendation for you after we have assessed your needs.
We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender.
You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you that may be more appropriate.
I have provided financial advice to customers for nearly 20 years, previously as a Financial Planning Manager for AXA Wealth and Britannia and now as an Independent Financial Adviser with Opal Financial Management.
I am able to bring a wide breadth of life and work experience to the financial adviser role.
This means, as well as the many years experience I have in providing financial advice, over my working life I have experienced the joys and pressures of bulb picking, catering work, verger, school support role, factory work, retail sales, post office counter, designing and delivering lectures and seminars for undergraduates, proof reading for an academic publisher, and administering an international journal.
I am able to bring a wide breadth of life and work experience to the financial adviser role.
This means, as well as the many years experience I have in providing financial advice, over my working life I have experienced the joys and pressures of bulb picking, catering work, verger, school support role, factory work, retail sales, post office counter, designing and delivering lectures and seminars for undergraduates, proof reading for an academic publisher, and administering an international journal.
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