Fletcher Associates Financial Services Limited

Independent Financial Adviser  1st Floor, Ripon, North yorkshire, HG4 1JY
First meeting at adviser's own cost
Award winning financial planning firm giving quality independent advice. We specialise in investments and pensions (including drawdown).
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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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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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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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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Buildings and contents
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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
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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 19th October 2020
Meet our advisers
Carl Fletcher Dip PFS, CeRER
Director

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

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

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

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 qualification assesses a knowledge and understanding of the UK Financial services, regulation and ethics, investment principles and risk, personal taxation, pensions and retirement planning, financial protection and financial planning practice.

What our clients say
Spends the time to really get to know your present position and where you want to be. Provides excellent advice and recommendations explained clearly for the lay person.
g bennett, kent
Very amiable, easy to talk to. Everything was explained fully, all documents were marked up to make signing them easy. I finished with policies and advice that was clear, and fully understood by myself and my wife. Everything Carl said he'd do, was done. I'd absolutely recommend his services to anyone
c tye, N Yorks
Carl communicate's well making you feel comfortable talking to him and looking at all the options open to you,discussing them fully.He gives you time to consider these options and there is no hard sell at any time so you never feel under pressure.Carl has the knowledge base and has given us some sound advice and set up our chosen investments in a very straight forward manner, introducing us to investments we would not have found ourselves.He is always available if we need further advice and continues to review our investments which takes the pressure and worry away from ourselves
J Lyon, Borobridge
Carl is really easy to talk to and explains everything well. I don't find it all very easy to understand but Carl is very patient and does his best with me! Carl immediately transferred my pension for me as I wasn't happy with it and my new pension is now doing very well. He reviews everything once a year at least and always gets back to me very quickly when I have any queries and when I haven't understood something.
L Blackie, Ripon
Carl grasped the situation rapidly and was not at all pushy with any particular product, We have some financial knowledge which was recognised and taken into consideration. Everything we asked for he concluded pleasantly and quickly. Very impressed. He also follows up the meetings and suggestions but is never insistent, a rare and admirable quality
M Hutton, Leeds
I would not trust anyone else with my financial requirements and I would highly recommend Carl to anyone.He is very customer focussed and has always come up trumps when dealing with my pension & investments.
K Burton, Harrogate
I approached Carl to help myself and my ex husband split his pension. This should have been done when we divorced in 1999.He understood what we needed to achieve in fact Carl found we could not split the pension but we did have a pension sharing order. Carl was able to organise the setting up of two new funds which would enable me to receive my share of the pension without the need to rely on my ex husband. This has given me reassurance for my future income something which was very important to me. Carl will monitor the progress of the funds and i will see him annually for a review. Based on the help and support he gave with regard to the pension I would not hesitate in seeking his help with any other financial matters. I find it difficult to say what Carl could do better? I have historically met financial advisers who I have found rather intimidating. This was not the case with Carl if anything he has a very gentle , professional approach to his work.
S Wilkes, Harrogate
The number of options available when I retired, with more regulatory changes to come in the following months, led me to seek professional advice and assistance to choose which route to take. In a couple of consultations, Carl listened to my concerns and aspirations and explained, very clearly, the pros and cons of each of the options available and helped me to devise a retirement plan that met my needs within the scope of acceptable risk
W Beddoes, ripon
The transfer of a personal company pension fund on retirement to a pension drawdown plan. Carl prepared a detailed and easy to understand package of options tailor-made for my individual circumstances and organised a seamless transfer to my chosen pension drawdown fund provider
E Threapleton, N Yorks
I approached Mr Fletcher as a follow up from viewing his company website and after the introductory meeting i had no doubt at all to instruct him to review all my financial affairs and advise me accordingly. As a result i now find myself with investments already showing improvement and my general financial situation leaves me with more disposable income for today. His advice on pensions has been extremely accurate and again my funds are showing improvement following my instruction to proceed. I have found Fletcher Associates to be very helpful, confident and above all friendly, a pleasant atmosphere at their office and they are not restricted to appointments between 9.00am and 5.00pm which is of great assistance.
A Evans, North Yorks
Carl knows the financial world and explains it in terms the client can understand. He has a very friendly and relaxed approach whilst listening carefully to your personal financial situatution to determine the level of risk you will be happy to take with investments. I personally think he has given me far better advice than any bank or building society and we have reaped the rewards because of this. Carl reviews the investments with me annually.
D.Hitchinson, Knaresborough
Carl Fletcher has been looking after our financial affairs for over 15 years. Initially he just helped us with our mortgage, then insurance pensions and an investment recently which is currently earning over 12%. I have recommended him to all my family and friends who also have nothing but good things to say about his advice Carl is unique in todays world of bad press for the financial industry I TRUST HIM!!!!
P. Hall, Ripon
About us

We are a firm of Independent Financial Advisers (IFA’s) based in Ripon, North Yorkshire. We provide advice to both individuals and companies on all aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising objectives. Carl Fletcher is a Member of the Chartered Insurance Institute & The Personal Finance Society. He has been a Financial Adviser for over 30 years. Carl has been voted one of the Top 250 IFAs in the UK according to reviews received on the consumer ratings website VouchedFor & published in the Sunday Times.
Key areas of planning and advice include: Pensions- Corporate and Private Retirement Planning. including SSAS, SIPPs, Income Drawdown and Annuities. Investment- For pre and post retirement, growth or income, including associated tax planning. Corporate Solutions- Employee Benefit Schemes, Shareholder and Partnership Protection, Including Key Person Cover. Our approach is to deliver professionally researched, clear and concise recommendations.

Our services

Our financial advisers are dedicated to providing quality Independent Financial Advice, across a broad spectrum of individual interests from across the entire marketplace. These range from individually tailored investments, retirement, personal pension and wealth management solutions through to mortgage and protection arrangements.
Client loyalty is the foundation of our practice and we recognise the importance of our existing clients support. Once we have gained this support, we work hard to maintain it by providing a highly personal and professional service.

Where to find us
Head office address: 1st Floor, 2 North St, Ripon, North Yorks, HG4 1JY
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 19th October 2020

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