Model Wealth Management

Independent Financial Adviser  Model Wealth Management, York, North yorkshire, YO1 8QG
First meeting at adviser's own cost
Providing friendly bespoke financial advice in simple to understand language based on independent research from the whole of the market.
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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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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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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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
Response rating
9.0/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
Chris Binns FPFS
Chartered Financial Planner

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.

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.

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 financial services industry, including regulation, legislation and the Code of Ethics.

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.

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.

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

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.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

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

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

Accreditations
Chartered Financial Planner
What our clients say
Chris offers a truly professional consultancy service. He is reliable and trustworthy and points out all options. In between our regular review meetings he keeps me informed and in touch by phone and email and also listens to the client's concerns. I feel completely satisfied with his service and indeed have already recommended him to my family and friends.
Ms Wray, Tadcaster, North Yorkshire
Chris has been a great support over recent years and I regard him as a real friend. I feel that his financial advice is sound and trust him completely to suggest the best for me with regard to my finances. He always explains things in terms that I can understand and ensures that any investments organised are within my comfort zone concerning risk. I am happy to recommend his services to others.
Mrs Evans, Summerbridge, North Yorkshire
Trust is a term rarely used within the financial sector these days but having initially contacted Chris to discuss personal finance, we now value the expertise of Chris for all our pension, life assurance and investment provisions. We have consistently received excellent value and have full trust in the packages he has put together for our business.
Mr Baxter, Company Director, York
About us

We firmly believe that the first step in building a financial plan is to work alongside an independent financial adviser you can trust implicitly. Clients tell us they want unbiased advice from the whole of the market place and see a long term ongoing relationship with their trusted adviser as being essential in achieving their financial goals and objectives. We explain all complex matters in simple, straightforward and easy to understand English.

We are fully qualified "Pension Transfer Specialists" who have been authorised by the FCA to provide pension transfer advice from Occupational Pension Schemes.

In addition, Chris is a Chartered Financial Planner and Fellow of the Personal Finance Society.

Our services

With over 18 years of experience in providing financial advice we work with you to better understand your financial aims and objectives and then research the market to find you the most appropriate solutions to dovetail with your needs. Every client is different and therefore an “off the shelf, one size fits all approach” will invariably leave you short changed. We are passionate that the advice you receive is independent, unbiased and unique to your own needs and requirements.

Where to find us
Head office address: Model Wealth Management, Blake House, 18 Blake Street, North Yorkshire, York, YO1 8QG
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 25th May 2020

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