Advice 4U Financial Planning Ltd

Independent Financial Adviser  27 Kennett Gardens, Gloucester, Gloucestershire, 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
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Annuity purchase
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Auto enrolment
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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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Pensions transfer
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SIPPs
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Stakeholder
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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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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
Response rating
10/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Mike Rayer Dip PFS, CeMAP, ER1
Independent Financial Adviser

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

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.

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

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

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

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

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.

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

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

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
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.

Where to find us

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

Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£250,000
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 17th February 2020

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