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Frequently Asked Questions


What advice do you provide?

As holistic financial planners, we provide investment management, retirement planning, tax planning, life insurance, income protection and long term care advice. We do not provide mortgage advice albeit we can recommend an independent mortgage broker to you.  We are also happy to recommend appropriate accountancy and legal advice and liaise with other professionals as required.

I have various pensions and investments and wish to review whether these are right for me.  How can you help me?

As experienced Financial Planners we will work with you to understand your current circumstances and your future objectives.  Once we have done this, we will recommend a financial plan which includes a review your current policies, investments and pensions to see whether these are right for you.  We will review the performance of any investments and pensions you have to identify whether this can be improved upon.

How often should I review my affairs?

We will agree with you a basis and frequency of review.  Normally, we recommend a review meeting takes place at least once a year although it may be more or less frequent depending upon your circumstances. 

How much will your advice cost?

We make no charge for an initial meeting as this is to ascertain whether we are able to help you and for you to consider whether our services are right for you.  At this meeting, we will explain how much our fees are likely to be based upon the amount of time and advice. 

Why do you not work on a commission basis?

We believe that the concept of a Financial Adviser being paid by a commission is fundamentally flawed as it can lead to a bias in advice.  It is important that our clients know that any advice we provide is based solely on their best interests.

What happens to any commission you may receive?

Any commission we receive are either rebated to you or offset against our fee.

© 2017 Cooper Johnston Wealth Management. 43 East Parade, Harrogate, HG1 5LQ. Tel: 01423 537677