J P A Financial Services Ltd

Independent Financial Adviser 1st and 2nd Floor Offices, 446 - 452 High street, Kingswinford, West Midlands, DY6 8AW
First meeting at adviser's own cost
Response rating
7.0/10
FCA verified
15th October 2018
We believe fully independent financial advice with access to all potential solutions is the way that clients can truly benefit.
We can advise you on
    • Ethical investments
    • Investing for income
    • Investment trusts
    • ISAs
    • OEICs
    • Offshore investments
    • Socially responsible investments
    • Unit trusts
    • Group pensions
    • Stakeholder
    • Taxation planning
Meet our advisers
Nicholas Lue DipFA MLIBF
Independent Financial Adviser
Ravinder Thind
Independent Financial Adviser
Andrew Wheeler
Paul Towers-Evans DipFA MLIBF
Director
Paul Lloyd DipPFS
Independent Financial Adviser
Scott Saxby DipFA MLIBF
IFA
Scott Stackhouse DipFA MLIBF
Independent Financial Adviser
John Bresnan DipFA MLIBF
Director
Where to find us

1st and 2nd Floor Offices, 446 - 452 High street, Kingswinford, West Midlands, DY6 8AW

Contact us
About us

We are a small team of qualified professionals with over 100 years’ combined experience in the financial services industry. Our knowledge and experience creates a collective wisdom, which is the cornerstone of our unique service.

Our services

In our experience people don’t know who to turn to when it comes to financial services. This is particularly relevant if you’ve become financially disadvantaged as a result of losing money on investments, or if you don’t know your ‘R squared’ from your ‘Alpha’! Understanding your emotional feelings about money, together with our logical and rational approach, will help you take the right course of action. Our Mission is to provide the right solutions to the right people at the right time at the right price.

Advice methods
  • icons
    Face to face
  • mouse
    Online (Live chat, video, email)
  • phoneButton
    Telephone
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Compliance

How our Service works for you…

This document is aimed at providing you with a brief overview of our company and to introduce you to our service in more detail. After you have read this document you will need to select the service and remuneration package that best suits your needs. We will discuss this with you so that you fully understand what is offered and how it will benefit you. Should you have any questions regarding any element of this please don't hesitate to ask us.

Money means different things to different people.

If you were to look ahead ten or even twenty years from now, what goals would you want to be able to achieve and what financial resources would you need to achieve your goals?
Being clear what your money needs to do for you and planning for those outcomes are what our business is all about.

About Us

JPA Financial Services Ltd is totally focused on delivering a friendly, proactive and bespoke independent financial advice service to all our clients and their families.
We are a small team of qualified professionals with complementary skills and expertise. Our combined experience spans over 100 years in the financial services industry.
We have spent a long time fine tuning our skills assisting our clients to maintain their lifestyle.
We have a keen understanding of investment principals, tax rules and wealth preservation.
Our combined knowledge and experience creates a collective wisdom, which is the cornerstone of our unique service.

We believe that offering fully independent financial advice with unrestricted access to potential solutions is the only way our clients can benefit from a complete analysis of their needs.

Our Mission is to provide:

The right solutions
To the right people
At the right time
At the right price

Working together…

We will spend quality time getting to ‘know our clients’.
We’ll work through any difficult decisions you may encounter, cut through the jargon, giving common sense advice and help you to stay focused on your life goals.
You’ll be able to review your plan with us at regular intervals.

Our fees are transparent. Before you agree to become a client and pay a penny in fees, we’ll invest time and expertise in reviewing your situation to ensure we are the right advisers for you – and also that we can deliver significant and real value.
To make working together as easy, effective and enjoyable as possible we have developed a structured process.
This process combines three essential elements – Strategy, Structure and support, to make managing your goals feel like common sense.

Strategy

In our experience people don’t have financial goals, but life goals that have financial implications. We will work with you to help uncover, articulate and prioritise your life goals so that you have the confidence to make good financial decisions, both now and in the years ahead.

Understanding your emotional feelings about money, together with our logical and rational approach, will increase the likelihood of you achieving your aspirations.

Structure

Our approach ensures that you will stay financially well organised and with our structured process, you’ll know exactly where your goal is and what it is doing. Initial planning and progress meetings have clear agendas and are followed up.

We use the latest planning and research tools to present understandable plans. Our ‘back stage’ activities ensure that we take care of all the important ‘stuff’, whether that is rebalancing your portfolio or reminding you of things that you need to do.

Support

Developing a plan is one thing, but implementing it and sticking with it is another!
We’ll be with you year in, year out, ensuring that your plan adapts to whatever life throws at you.

More importantly, we’ll be there for your family if illness or death means you can no longer manage the family affairs.

Our Guiding Principles

Our consistent level of service gives our clients’ confidence that their financial affairs are being handled with the highest degree of competency.

We are directly authorised and regulated by the Financial Conduct Authority and are committed to independent financial advice constructing solutions by sourcing products from the whole of the market.

We believe that Treating Clients fairly is about delivering fair outcomes, whilst providing an outstanding quality service. This is at the core of everything we do and our clients can be assured of this as:
• Our business is about our clients, and we are always conscious of this.
• We promise to deliver the service we agree with you.
• We are open about the way we carry out our business and how we are remunerated.
• We welcome client feedback on a regular basis.

We look at all areas of our business on a regular basis to ensure that:
• Clients can be confident that they are dealing with a firm where fair treatment of clients is central to our culture.
• We consider our clients when promoting new services and products and ensure that it is relevant to them.
• Our clients are provided with clear information and we pride ourselves on keeping them informed before, during and after the point of sale.
• Where advice is provided, we take time to understand our clients’ situation and ensure that our advice is suitable and appropriate.
• We meet our client’s expectations, providing them with a level of service and products that are of a high standard.
• We will ensure that our clients can switch providers, change products, surrender policies and make complaints without any unreasonable barriers.


Financial Planning

Our financial planning service may provide advice on one or several matters. We strive to meet clients’ goals, checking that plans stay on course with changes made only when required.

Our remuneration is geared to providing long term service as this is what our clients tell us they really want.

If you specifically instruct us that you do not wish to discuss particular areas of financial advice, we will consider this to be ‘focused advice’.

Portfolios for You

We design portfolios with our clients, based on their knowledge and understanding of the risks they are willing and able to take, along with their return objectives and capacity for loss.

Asset allocation is important but, risk management is vital.

Our Process

There are four stages to our process, each of which is separately costed, although the initial consultation is at our cost:
1. Initial consultation
2. Financial Review and Recommendation
3. Policy arrangement and Implementation
4. Review – Ongoing care and advice through our ongoing Management Service
Our fees are covered in detail within our client agreement which should be read in conjunction with our proposition document.

Initial Consultation

The initial consultation will comprise of:
• Initial meeting with one of our qualified financial planners
• A chance to ask questions and understand what we do
• Opportunity for us to find out what help you require
• Information about our charges

Financial Analysis and Recommendation

We will carry out an extensive assessment of your financial circumstances at the outset to establish your financial planning requirements. This will include:
• Gathering information about your existing financial arrangements and full personal circumstances;
• Gaining an understanding of your investment knowledge and attitude and tolerance towards investment risk;
• A recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings;
• Presenting our recommendations to you;
• Arranging a second appointment to explain and discuss our recommendations in detail.

When you receive our recommendations it will be your decision whether to implement them either completely or in part. A clear breakdown of our fees for implementation is included in our client agreement.

Policy arrangement and Implementation

The implementation of our recommendations includes where appropriate:
• Handling of all fund and policy administration on your behalf
• Regular updates to keep you informed of progress
• Ensure all your documents are issued in line with your expectations
• Confirmation of all actions taken on your behalf in writing
Our fees for this part of the service are covered in detail within our client agreement which should be read in conjunction with our proposition document.

Ongoing Management Service

We provide a process which helps you determine your financial goals and priorities.
After considering your resources, risk attitude, capacity for loss and current lifestyle, we will put together a detailed, balanced and realistic plan to meet these goals.
The issue here is that things change; your life, your aspirations, taxation, legislation, investment markets, etc. This is why it is vital that your plans are reviewed and brought into line with such changes.

Telephone access to JPA Financial Services Limited
Ongoing support provided
Annual Planning Review
Annual Portfolio Valuation
Annual Portfolio Rebalancing
Annual Asset Allocation review
Annual Review Meeting if required
Extra valuations/ reviews/meetings can be provided as and when required, however this may involve extra cost.

Products are offered from the Whole of the market

What will you have to pay us for our services?

You will pay for our services on the basis of fee.
We will discuss your payment options with you and answer any questions you have.
We will not charge you until we have agreed with you how we are to be paid.

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