A better approach
to financial advice.

Money may not be your preferred topic of conversation, but it’s the keystone on which everything in your life relies. Decisions you make now can have a huge impact on life further down the line, which is where financial advice is invaluable.  

So whether you’re saving towards your first home, purchasing a dream property, putting something aside for your children, looking to protect your family from whatever life throws at you, deciding on how to make the most of a lump sum inheritance or windfall, provide yourself with the best possible retirement or ensuring those you wish to, receive what’s left – we recommend speaking to one of our trusted advisers.

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FAQs

Questions we’re often asked by people seeking financial advice.

All Keystone advisers are whole of market advisers. This means that they work on behalf of their clients, to make sure that the advice they receive is the most suitable for their circumstances and needs.

Yes! It has been shown that paying for good advice has better outcomes than clients trying to do it for themselves. A good adviser will ensure that the recommendations made put the client in a far better position taking into account their personal situation, tax position and objectives.

A good adviser will listen to you. They will not have preconceptions about what you might need. They will talk to you and really understand your situation, your needs and objectives.

This is a big question and the answer isn’t simple. The cost itself will be determined by the kind of work you need, and the knowledge and time required to complete it. 

But as for ‘how’ you pay, all financial advisers must now charge a fee for their advice rather than accepting commission* offered by a product provider. This makes the whole process far clearer for clients and has removed any perception of product bias there might have been. There is now a clear agreement on costs before the client agrees to go ahead.

 No charges would be incurred until you have agreed the work involved with your adviser and signed an engagement letter.

 *There are some exceptions - if the client prefers, payment for advice can be in the form of commission for some protection and lending products (life insurance and mortgages).

The short answer is no. We decided to stop giving advice in this area in 2018 due to the costs involved, which we felt outweighed the advantages to our clients.