Create and Prosper Financial Services Ltd

Independent Financial Adviser  16 Wemyssfield, Kirkcaldy, Fife, KY1 1XN
First meeting at adviser's own cost
Create and Prosper is a firm of Chartered Financial Planners offering clients access to independent advice at a competitive cost.
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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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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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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Life insurance
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Payment protection insurance
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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
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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 29th June 2020
Meet our advisers
Jack Paterson
Financial Planner

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.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

Graeme Inglis APFS IMC
Founder And Director

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.

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.

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.

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.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

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.

This examination assessed specialist supervisory knowledge and skills in the regulatory environment.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

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.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of portfolio investment management. If passed before September 2010 QCF 3 after then QCF 4

Accreditations
Chartered Financial Planner
Chris Hodgson APFS
Director

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.

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.

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.

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.

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

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

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.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This AFPC module provided an advanced knowledge of life and health protection. The October 2004 examination qualified the individual to advise on long-term care insurance.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

Accreditations
Chartered Financial Planner
What our clients say
Graeme explained his financial advice in a way that was easy for a novice like me to understand. I also get regular updates as to my investments are being managed.
Murray, Midlothian
Graeme Inglis's welcome visits bring both me and my wife total confidence in his ability and he always leaves us believing that he is acting in our best interests. This has not being our experience with some previous financial advisers and, as we are both now pensioners, we have encountered quite a few in our time. He has the rare ability to impart sophisticated financial information in terms we can understand and without ever making us feel either inadequate or "talked down to."
Ernie, Renfrewshire
Graeme was very professional at all the times we met. Initially he listened to me then went away and came up with a financial plan/investments. He explained everything in easy language for me to understand and did not make me feel stupid as the financial markets/investments are not my thing and this was the first time I was the first time I was investing a large sum of money.
Margery, Fife
Great advice and good communication
Arnie, Hertfordshire
I have known Graeme for a number of years and prior to him starting his own business. As such he was already aware of my general situation but on our first meeting after he started up on is own he was very professional and conducted an overall review and revisited my attitude to risk before making recommendations which were followed up in writing. He is very good at his job, assesses situations well, is totally trustworthy, and can be relied upon to give good "non pushy" advice after full research. In addition he is a very friendly and approachable guy.
Bryce, West Lothian
As a retired N.H.S employee, the pensions advice I used to get was supplied through the Health Board,however when the firm looking after this decided that it was no longer viable to carry on with the service I was recommended to Create and Prosper where I was put in touch with Mr Inglis. Mr Inglis contacted myself and arranged to come to my home and go over all my needs and requirements. At the appointed time Mr Inglis appeared on time and very soon got to know all about my wife and myself and our financial situation,this was carried out in a very courteous and efficient manner. Mr Inglis spent a good amount of time with us and explained every thing to us and gave us advice there and then which was quickly followed up by e-mail and a complete financial report. Subsequently he has kept in touch with us and has followed up on any progress and/or updates to our requirements. Mr Inglis is punctual, courteous, attentive and explains everything in clear and easy to understand language and will go the extra mile to be as helpful as possible.
Alexander, Lanarkshire
About us

Create and Prosper's core values are Independence, Fairness, Value and Service. We are a friendly, approachable Chartered Financial Planning firm.

The firm was founded in 2010 having steadily grown we are now considered one of the most trusted advisers in the UK.

Create and Prosper has been named in the Citywire Top 100 Financial Advice firms in the UK for 2013, 2014 and 2015. We have also been shortlisted for Money Marketing's Small Company IFA of the Year award.on two occasions.

Our services

Create and Prosper provide independent financial advice to clients looking at their current situation and future objectives. Our friendly, approachable style and attention to detail helps to build long standing relationships with our clients.

As a small firm we believe that getting to know our clients and building long term relationships is at the core of how we help our clients.

Where to find us
Head office address: 16 Wemyssfield, Fife, Kirkcaldy, KY1 1XN
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 29th June 2020

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