Alban Financial Management

Independent Financial Adviser Elwy House, 27 Elwy Road, Rhos-On-Sea, Colwyn Bay, Conwy, LL28 4SB

First meeting at adviser's own cost

Response rating

7.0/10

15th October 2018

We offer a completely bespoke advice service. All solutions are tailor-made for our clients' individual circumstances.

We can advise you on

Mortgages
- Bad credit
- Buy to let
- First time buyers
- Remortgage
- Residential
- Right to buy
- Self employed
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group private medical insurance
Long term care
- Long term care

Meet our advisers

Dennis Doherty LL.B(Hons) ACII DipPFS

IFA

Qualifications & Accreditations Hide qualifications

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.

ACII - Associateship Examination (CII)

Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.

CeMAP - Certificate in Mortgage Advice and Practice (LIBF)

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

HR1 - Home Reversion Plans (CII)

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

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.

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.

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.

G60 - Pensions (CII)

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

CF8 - Certificate in Long-Term Care Insurance (CII)

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

Where to find us

Elwy House, 27 Elwy Road, Rhos-On-Sea, Colwyn Bay, Conwy, LL28 4SB

About us

Alban Financial Management was originally set up just over ten years ago, in conjunction with a leading local firm of solicitors, to provide independent financial advice to their clients. This advice has been expanded to other professionals over time. The practice has a strong emphasis on investment planning covering general investment needs, pensions, including final salary transfers, and trusts, to provide tax efficient solutions for clients. Alban Financial Management is a trading style of Positive Solutions (Financial Services) Ltd.

Our services

We take great pride in understanding our clients needs and providing them with sound financial advice. This is offered in a professional, but at the same time, very personal way.

Compliance

The value of pensions and investments can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

The Financial Conduct Authority does not regulate on School Fee Planning.

The Financial Conduct Authority does not regulate on Estate Planning.

Your home may be repossessed if you do not keep up repayments on your mortgage

The Financial Conduct Authority do not regulate some buy to let mortgages

We do not normally charge a fee as we are paid by the lender. However, you have the option to pay us a fee for mortgage advice and receive any commission which we are paid by the lender. If you choose this option, we estimate a fee of £750. Please note where the lender’s commission is less than £750, we will charge a fee to cover the difference.

We can advise you on

Mortgages
- Bad credit
- Buy to let
- First time buyers
- Remortgage
- Residential
- Right to buy
- Self employed
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group private medical insurance
Long term care
- Long term care

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£0

Minimum pension value

£0

Minimum mortgage value

£0

Website

Compliance

Contact options

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