Frequently Asked Questions

What is an Independent Financial Adviser (IFA)?

 

An Independent Financial Adviser (IFA) provides unbiased financial advice on a wide range of financial products from across the whole market, rather than being tied to specific providers. At Integritas, we are fully independent ensuring our advice is always in your best interest.

What services do Integritas Financial Planners offer?

 

We offer a comprehensive range of financial planning services including, but not limited to:

  • Pension advice and retirement planning
  • Investment management
  • Mortgage advice
  • Inheritance tax planning
  • Protection and insurance solutions
  • Savings for children and education fees
  • Financial planning for life events.
  • Learn more on our Services page

How do I know if I need a financial adviser?

 

If you're planning for retirement, buying a home, investing, or want to protect your family’s financial future, a financial adviser can help you make informed decisions. We tailor our advice to your goals, risk tolerance, and life stage.

Is the first consultation really free?

 

Yes, your initial consultation with Integritas is completely free. It’s an opportunity to understand your needs and explain how we can help you without any obligation.

How are your fees structured?

 

Our fees depend on the complexity of your needs. We’ll always explain costs clearly and transparently before any work begins. You’ll never be rushed into making a decision.

What should I bring to my first meeting?

 

To get the most from your consultation, bring details of your income, savings, pensions, debts, insurance policies, and any financial goals you have. This helps us provide accurate, tailored advice. See also our first meeting checklist.

Do you offer pension advice and retirement planning?

 

Absolutely. We provide award-winning pension advice tailored to your retirement goals. Whether you're approaching retirement or just starting to plan, we can help you make the most of your pension options.

Can you help with mortgage advice?

 

Yes. Whether you're a first-time buyer, moving home, or remortgaging, we offer expert mortgage advice to help you secure the right deal for your circumstances.

What is inheritance tax planning and do I need it?

 

Inheritance tax planning helps you pass on your wealth efficiently and reduce the tax burden on your estate. If you have assets over the inheritance tax threshold, we can help you explore tax-efficient strategies.

Are your advisers qualified?

 

Inheritance tax planning helps you pass on your wealth efficiently and reduce the tax burden on your estate. If you have assets over the inheritance tax threshold, we can help you explore tax-efficient strategies.

LET'S WORK TOGETHER TO ACHIEVE YOUR FINANCIAL GOALS

At Integritas Financial Planners, we specialise in helping individuals and small to medium-sized businesses to achieve their goals through holistic financial planning and support. Pension legislation often changes, but our expertise in this field will help you navigate through complex regulations, while our independence will help you to find the best blend of pension products to suit your individual financial circumstances and aspirations.

This means we will:

  • Conduct a review of your current financial circumstances, and understand your long-term goals
  • Identify and recommend the best course of action to help you achieve your aspirations
  • Implement plans that we agree on your behalf and continually review progress

The Integritas Financial Planning Process

At Integritas, we take the time to understand your financial goals – and work with you to attain them. We do this using a five-step process:

Discovery

Build a clear picture of your current financial circumstances, with no obligations

Your Aims & Objectives

Clarify your aims, objectives and timescales over which you wish to achieve your goals

Review & Recommendation

Analyse your current position; highlight gaps and recommendations to reach your goals

Implementing Your Plans

We explain our report and answer any questions or concerns you may have

Ongoing Review

Regular face-to-face reviews to keep you updated and make any necessary changes

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Client Testimonials

“Having provided Mark with details of our circumstances, he explained our options – in ‘simple’ language and advised us how to proceed which matched exactly our lifestyle and expectations. We have recommended Mark to our friends and we all agree that he tailors-makes financial planning to suit the individual.”

Susan
Berkshire

I had a meeting with Adam regarding pensions, this is something I didn't fully understand until it was explained to me by Adam, he was very thorough with his advice and was able to answer all of my questions. I will definitely come back to Adam again in future and will be recommending him to friends and family I am very happy with the outcome of our meeting

Jade

Adam has managed my pension scheme and seen it grow by a significant amount which I am very happy about.

Ian
Derbyshire

"We needed to consolidate pensions and monies into a managed portfolio for our retirement. Mark facilitated the consolidation, showed us how money and assets could be used via detailed spreadsheets. Our retirement plan starts later this year and we can’t wait."

Russell
Swadlincote, Derbyshire

“Mark dealt with a very difficult pension provider and obtained a very favourable result for me. Now that I’m retired, the outcome has been exactly as I had hoped despite the attitude of the pension provider. I am not able to think of anything which Mark could have done better – he spent the necessary time and effort in pursuing the matter to a very successful conclusion.”

Keith
Hertfordshire

“Getting the most from our investments is what we all look for, but it can be a world of uncertainty and apprehension. Marks professional and assured explanations and advice have guided us through to the best options available for our personal circumstances, engendering the high level of surety we were looking for. Mark exudes a confidence and obvious ability to engage with clients at all levels of understanding and requirements.”

John
Staffordshire

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