Response rating

7.0/10

19th June 2017

Advice 4U Financial Planning Ltd

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

First meeting at adviser's own cost

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

We can advise you on

Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
Financial planning
- Wealth management
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
- Payment protection insurance
- Small business
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning

Meet our advisers

Mike Rayer Dip PFS, CeMAP, ER1

Independent Financial Adviser

Qualifications & Accreditations Hide qualifications

R04 - Pensions and Retirement Planning (CII)

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

R05 - Financial Protection (CII)

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

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.

R06 - Financial Planning Practice (CII)

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

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.

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.

Accreditations

What our clients say

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

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

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

Where to find us

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.

Compliance

Advice 4U Financial Planning is authorised and regulated by the Financial Services Authority.It is entered on the FCA register (www.fca.gov.uk) under reference 671527
Registered address: 27 Kennett Gardens, Abbeymead, Gloucester, GL4 5TZ

Company Number 9398231

This site is for UK consumers only.

We can advise you on

Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
Financial planning
- Wealth management
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
- Payment protection insurance
- Small business
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Free pension healthcheck Select

Preferred clients

Minimum wealth (income/assets)

£100,000

Minimum pension value

£100,000

Minimum mortgage value

£250,000

Compliance

Contact options

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