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  11. Informed Wealth Management Ltd

Informed Wealth Management Ltd

Independent Financial Adviser  9 Barton Road, Worsley, Manchester, M28 2PD
First meeting at adviser's own cost
Professional, friendly and all-encompassing financial advice to help you set and manage your financial goals with a trusted partner.
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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Unit trusts
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Estate planning
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Group Pension/Stakeholder
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Long term care
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Response rating
7.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
MR Richard Kunikowski FPFS
Chartered Financial Planner

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.

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.

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

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

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

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

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 the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

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.

This qualification helps advisers develop and demonstrate their financial planning capabilities.

Accreditations
Chartered Financial Planner
What our clients say
Whilst writing we feel we must thank you personally for the manner in which you have dealt with the various aspects of our proposals. In this day and age, the purchase of Pension Annuities is of particular importance and I am grateful for your clear guidance in this respect. The placing of our property into Probate Preservation Trusts was also of great importance to us and despite complications resulting from our previous attempt to purchase the Freehold of the property, you guided us through the maze with an impressive attention to detail for which we can only say ‘Thankyou’. We would also thank you for the re-structuring of our Wills. We had always thought our ‘Home-Drawn’ attempts were sufficient but again your advice was excellent and precise, and we now feel we have all aspects covered. All in all, we have appreciated the detailed and relaxing atmosphere in which all of our discussions have taken place giving us confidence in the decisions we have made.
Philip and Patricia Nuttall, Worsley
When I decided to retire early at the age of 57, I needed impartial advice about my various pension pots. I needed someone who would look at the whole picture and give me options. Richard Kunikowski listened to my explanation of my needs, and he came up with several options. Richard's advice was clear and detailed, so I felt empowered to make the best decision. He helped set up the solution that I found to be best for me, it couldn't have been more straightforward. I would recommend Richard without hesitation.
Andy Hughes, Manchester
Richard, with all sincerity I state that your advice and help with regard to my investments and financial affairs has been and continues to be excellent. I couldn't wish for a more considerate and kindly advisor, and happily offer this testimonial.
Christopher Owen, Nantwich
About us

As a Chartered Financial Planner with Informed Wealth Management Ltd, I'm committed to delivering better value and choice for my clients.
With a key focus on Pensions, Investments, Estate, and Tax Planning I deliver advice through face-to-face meetings and the most up to date technology within UK financial services, with my clients having full secure online access to their true financial picture.
Recognising that everyone’s personal situations are unique, I will take the time to get to know you and what's important. As a result, you will be better informed, confident and empowered to reach your financial goals.

Our services

Clear, independent advice on investments, pensions, annuities, protection, trusts and inheritance tax planning. Utilising the latest technology to give easy access to information and ongoing advice, clients are provided the best possible Wealth Management service to reach their financial goals. Initial consultations free of charge. Home or office visits can be arranged.

Where to find us
Head office address: 9 Barton Road, Worsley, M28 2PD
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£20,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Make an enquiry Request a call back Recommend to a friend
Response rating
7.0/10
phone Show number
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FCA authorised
Last authorised 13th September 2021

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