Response rating

10/10

21st August 2017

Affluent Financial Planning Limited

Independent Financial Adviser Affluent Financial Planning Ltd, Kirkinner Place, 1 Main Street, Renfrewshire, Bridge of Weir, PA11 3AA

First meeting at adviser's own cost

Multi-Award Winning Lifestyle Financial Planners providing comprehensive financial planning for affluent retirees, business owners & professionals

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
- Small business
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Business
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Expatriate finances
- EEA
- Rest of world
Financial planning
- Wealth management
Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Long term care
- Long term care

Meet our advisers

Carl Melvin BA(Hons),MSc,CFP,FPFS,FIFP

Financial Planner

Qualifications & Accreditations Hide qualifications

G30 - Business Financial Planning (CII)

This examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.

G60 - Pensions (CII)

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

R05 - Financial Protection (CII)

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

G20 - Personal Investment Planning (CII)

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

AFPC - Advanced Financial Planning Certificate (CII)

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

CF7 - Certificate in Lifetime Mortgages Activities (CII)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

Chartered Financial Planner (CII)

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

PIC - Professional Investment Certificate (IFS)

This qualification assesses the knowledge and understanding to advise clients on specialised financial products.

FPFS - Fellow, Personal Finance Society (PFS)

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.

CF9 - Pensions Simplification (CII)

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

G10 - Taxation and Trusts (CII)

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

CFP - Certified Financial Planner Licence (IFP)

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

FIFP - Fellow of the Institute of Financial Planning (IFP)

Fellow members will have passed the Institute’s fellowship examinations and have demonstrated five years relevant experience.

CMAP - Certificate in Mortgage Advice and Practice (CIOBS)

This qualification assesses the knowledge and understanding of the UK regulation environment in the financial services industry together with various types of mortgage products and repayment options and the giving of mortgage advice. Chartered Institute of Bankers in Scotland (CIOBS) qualifications are subject to a separate grading with the Scottish Credit and Qualifications Framework (SCQF) - www.scqf.org.uk

CF2 - Investment and Risk (CII)

This examination assesses a knowledge and understanding of investment products and the risks involved.

Chartered Wealth Manager

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

Accreditations

What our clients say

Having developed a Lifestyle Financial Plan for me, I was able to see quite clearly which option would best support my retirement, ensuring sufficient income to support my lifestyle. Mr Melvin unravelled the complexity of financial planning in a friendly, patient, tailor made, professional manner, happily stopping to clarify and discuss any questions or queries, ensuring I had a clear understanding of the choices facing me a professional service which has given me peace of mind. I would highly recommend Lifestyle Financial Planning and Mr Melvin to anyone looking for a first class Financial Advisor.

Miss MC, Elderslie

Looking to exercise the open market option for an AVC Was probably the most beneficial and thought provoking 45 minutes I have spent in many years

Mr MacPherson, Renfrewshire

“It was extremely refreshing to be provided with independent advice that made common sense to what most people consider a complex subject. The service provided has been excellent.”

Mr & Mrs Tasker, Stirlingshire

“All my dealings with the company have been characterised by honesty and efficiency. The advice I have received has always been patiently explained and agreed decisions implemented swiftly and accurately.”

Lt Col Arnold, Glasgow

"Very many thanks for the advice given..your plain speaking and professional approach to my predicament shone as a bright light against the ineptitude,incompetency and lack of empathy which I had received previously - Kindest regards"

Mr McQuaker, Glasgow

Where to find us

About us

Established in 1995, we are multi award winning financial planners specialising in comprehensive Lifestyle financial planning - helping you answer the big questions like when can I retire? will I have enough money? can I maintain my standard of living for the rest of my days without the fear of running out of money? can I afford to...? what happens if...? look at our video on You Tube that explains our approach to financial planning - https://www.youtube.com/watch?v=CBQYPe_g6JQ or go to youtube.com and search Affluent Financial Planning.

We have considerable experience in advising clients on Wealth Management, Retiremet and Pension Advice & Tax Planning - we explain things in a way that will make sense to you, we are upfront about costs and we don't recommend a course of action we would not take ourselves.

Over 130 of our clients have posted reviews of our service online at http://www.vouchedfor.co.uk/financial-advisor-ifa/bridge-of-weir/1191-carl-melvin

Your initial meeting is at our expense and is a no obligation meeting to discuss your requirements and to see if we are the right adviser for you
Call us today on to arrange a FREE financial review meeting.

Our services

We specialise in serving clients with £250,000+ of investable assets (investment and/or pension funds) and/or family income of £100,000pa or more.

We create a lifestyle financial plan for you to help you make sense of your finances, support you to make the best use of your financial resources and offer sensible advice & a reassuring ongoing review service.

Compliance

Affluent Financial Planning Ltd is authorised & regulated by the Financial Conduct Authority - firm reference number 173259.

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Large business
- Life insurance
- Small business
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Business
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Expatriate finances
- EEA
- Rest of world
Financial planning
- Wealth management
Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Long term care
- Long term care

Advice methods

Telephone
Online (Live chat, video, email)
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£250,000

Minimum pension value

£250,000

Minimum mortgage value

£250,000

Compliance

Affluent Financial Planning Ltd is authorised & regulated by the Financial Conduct Authority - firm reference number 173259.

Contact options

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