Fairey Associates Ltd

Independent Financial Adviser Fairey Associates Ltd, 36A Church Street, Great Baddow, Essex, Chelmsford, CM2 7HY

First meeting at adviser's own cost

Response rating

7.0/10

20th August 2018

I'm experienced and knowledgeable, providing a friendly service that you can trust. My door is always open to my clients.

We can advise you on

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

Meet our advisers

Daniel Midwinter

Chartered Financial PLanner

Qualifications & Accreditations Hide qualifications

AF1 - Personal Tax and Trust Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

AF3 - Pension Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

AF4 - Investment Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

AF5 - Financial Planning Process (CII)

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

Advanced Diploma In Financial Planning (CII)

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

APFS - Associate, Personal Finance Society (PFS)

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

CeMAP - Certificate in Mortgage Advice and Practice (IFS)

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.

CF1 - UK financial services, regulation & ethics (CII)

This exam accesses understanding of the financial services industry including regulation and legislation.

CF2 - Investment and Risk (CII)

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

CF3 - Financial Protection (CII)

This examination assesses a knowledge and understanding of financial protection plans.

CF4 - Retirement Planning (CII)

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

CF5 - Integrated financial planning (CII)

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

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.

J01 - Personal Tax (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

J04 - Pension Funding Options (CII)

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.

J05 - Pension Income Options (CII)

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.

J10 - Discretionary Investment Management (CII)

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

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.

Accreditations

What our clients say

He has an extensive and up to date knowledge of investment strategy and tax advice.

Mark, Colchester

Discussed options and various savings vehicles in a clear and relevant language that I could understand

Helena, Colchester

I required advice on my pension fund and by which method I should activate it. I also had a lump sum that I needed to invest where tax was best avoided.

Graham, Maldon

Daniel accurately assessed my risk level and provided recommendations which I followed

Fausto, Colchester

Discussed my plans both now and for the future. Once he understood this he came up with and explained solutions

Candy, Colchester

Daniel was very helpful and knowledgeable about the issues around inheritance tax and how best to manage their money on my parents behalf.

Belinda, Chelmsford

Where to find us

About us

I am one of a very small number of Independent Financial Advisers in the UK who have attained Chartered Financial Planner status. This level of qualification provides my clients with confidence that they are dealing with a professional that they can trust. Financial Planning to me is about listening and fully understanding my clients needs and objectives, talking in plain and simple terms and delivering solutions that are effective. I’m personable and have a successful record in delivering clear advice that my clients can trust. I am happy to meet clients at their home or they are welcome to visit my office just outside Chelmsford.

Our services

I offer advice on Protection, Investments, Pensions and Inheritance Tax. With the basic aim to maximise investment returns, minimise tax and protect wealth. I like to make a difference to all my clients lives. Financial Planning is complex and ever evolving. All areas of financial advice have seen significant changes over the years, none more so than pensions. With all clients I build and develop a bespoke strategy tailored to their objectives, which is continually monitored and reviewed.

Compliance

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

Fairey Associates Ltd is authorised and regulated by The Financial Conduct Authority. It is entered on the Financial Services Register (https://register.fca.org.uk/) under reference 481350.

We can advise you on

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

£20,000

Minimum pension value

£20,000

Minimum mortgage value

£500,000

Compliance

Fairey Associates Ltd is authorised and regulated by The Financial Conduct Authority. It is entered on the Financial Services Register (https://register.fca.org.uk/) under reference 481350.

Contact options

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