Advice 4U Financial Planning Ltd

Independent 27 Kennett Gardens, Abbeymead, Gloucester, Glos, GL4 5TZ

First meeting at adviser's own cost

Response rating

7.0 /10

14th October 2019

I am passionate about helping you to achieve your financial goals and ambitions in life

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Business
- Commercial mortgages
- Employee benefits
- Group pensions
- Group protection

Make an enquiry Request a call back 01452 679810 Recommend to a friend

Meet our advisers

Mike Rayer Dip PFS, CeMAP, ER1

Independent Financial Adviser

Qualifications & Accreditations Hide qualifications

R05 - Financial Protection (CII)

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

MAQ - Mortgage Advice Qualification (CII)

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

R06 - Financial Planning Practice (CII)

This qualification helps advisers develop and demonstrate their financial planning capabilities.

R01 - Financial Services, Regulation and Ethics (CII)

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

Dip PFS - Personal Finance Society Diploma (PFS)

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

R04 - Pensions and Retirement Planning (CII)

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

ER1 - Equity Release (CII)

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

FP1 - Financial services and their regulation (CII)

This exam accesses understanding of the financial services and their regulation.

FP2 - Protection, savings and investment products (CII)

This exam accesses understanding of protection, savings and investment products.

FP3 - Identifying and satisfying client needs (CII)

This exam accesses understanding of identifying and satisfying client needs.

What our clients say

Mike is a trustworthy, hard-working financial adviser who will get you the best results with a friendly, personable manner. Working through tricky topics, Mike steered us through them, giving us all the facts and allowing us to make a decision. Honest and reliable, we would highly recommend him to people needing independent advice.

Charlotte Lewis, Cheltenham

Mike is a highly focussed and driven individual, but equally someone who will always make time where needed, in order to go that extra mile and provide the personal touch. He has been a great mentor to me over the years for which I owe him a huge thanks and am sincerely grateful for.

Steve Gilpin, Bristol

Joshua Morse Marketing: Provocative Innovation for Brands and Products “ I always value Mike’s advice. Not only does he know his stuff, he also communicates it in a way which us mere mortals can understand. I think it is really important to have a high level of professional trust. Equally importantly is someone you can enjoy talking with. Mike fits the bill on both fronts.

Joshua Morse, Gloucester

Where to find us

27 Kennett Gardens, Abbeymead, Gloucester, Glos, GL4 5TZ

Make an enquiry

About us

As a “Whole of Market” IFA Mike is not tied to any provider and he can advise on products from all financial institutions. Mike's aim is to develop long term relationships with his clients enabling him to provide accurate financial advice, and to adjust the financial planning to maximise changes in legislation and client circumstances. Mike will continue to support you with regular reviews and adapt your strategy as markets and financial legislation change, to ensure your financial aspirations are achieved.

Our services

A truly Independent Financial Adviser Mike is not tied to any providers enabling him to find the best value products and services matched perfectly to your needs.
With over 25 years’ experience in financial services Mike is well positioned to advise you on every aspect of your finances, with special expertise in group and personal pensions, investments, business and personal protection.

Make an enquiry Request a call back 01452 679810 Recommend to a friend

We can advise you on

Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
Financial planning
- Wealth management
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
Savings
- Lump sum
- Regular savings
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
Business
- Commercial mortgages
- Employee benefits
- Group pensions
- Group protection

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

FREE pension health check + £50 off the cost of advice Select

Preferred clients

Minimum wealth (income/assets)

£100,000

Minimum pension value

£100,000

Minimum mortgage value

£250,000

Make an enquiry Request a call back 01452 679810 Recommend to a friend

Contact options

Make an enquiry Request
a call back 01452 679810 Recommend to a friend

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