4 Financial Planning

Independent Financial Adviser  C/o Spaces, Bath, Somerset, BA1 1RG
First meeting at adviser's own cost
Straightforward, cost-effective advice on pensions, investments and protection - without the boozy lunches "Dependable advice, delivered by humans, driven by technology"
We can advise you on
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Annuity purchase
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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SIPPs
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Lump sum
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Regular savings
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Life insurance
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Estate planning
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Income tax
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Taxation planning
Response rating
10/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Ian Else
Founder

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

Kat Mock
Paraplanner & Technical Consultant

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Accreditations
Chartered Financial Planner
About us

At 4 Financial Planning we don’t believe financial services should be about boozy lunches, long golf days and fancy offices. After all, our job is to help your finances and ensure they work harder for you both now and in the future. And that means sticking to the important stuff.

As an independent financial advisor, we specialise in retirement planning, protection and investments. You don’t need us to fill out forms for you. You can do that. What we provide is expert advice, guidance and support to ensure you’ve got all your bases covered. And we do it on a fixed fee basis so there won’t be any surprises.

Our founder, Ian Else, has been in the industry for more than 30 years, so he really does know his stuff - and he’s got the coveted AF3 certification to prove it. Combining our skills and knowledge with the latest technology, we can deliver an efficient service that leaves more of your money in your pocket, where you can enjoy it.

Our services

At 4FP you’ll find reliable, cost-effective advice on four key areas:

• Retirement Planning - to ensure you maintain your lifestyle even after you stop working.
• Protection - so that you and your loved ones are covered if the worst should happen.
• Investments - including ISAs and unit trusts, to help your money grow over time.
• Estate planning - giving you full control of what happens after you’re gone.

How we work is simple:

Step 01: DISCOVERY A free hour-long session where we can get to know each other and clarify what your goals are.

Step 02: X-RAY A deep dive into your circumstances, gathering facts to help identify whether you’re on track and where you need support.

Step 03: DIAGNOSIS This is where we start putting your plan into action, whether that be setting up pensions, investments or insurance policies.

Step 04: MAINTENANCE Ongoing support to ensure that your financial plans change with you and your circumstances.

Where to find us
Head office address: c/o Spaces, Northgate House, Bath, Avon, BA1 1RG
Service coverage
Preferred clients
Minimum pension value
£50,000
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 21st September 2020

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