Celia Mason Wealth Management Ltd
1 Hemley Hall Cottages
Hemley
Woodbridge
IP12 4QF
This firm is an Appointed Representative (AR). It can carry out certain activities on behalf of another firm (its principal) that is regulated in the UK or another EEA country. The principal has accepted responsibility for the Appointed Representative's activities.
(465124) Sense Network Limited
It is easy to focus on getting the right technical solution for a client: maximising the tax-efficiency of their savings or helping them choose the best pension for their needs. Equally – or more – important, though, is tailoring the advice to the individual. There is no “one size fits all” answer, and my advice is based on a series of conversations with the client, to understand not just their financial situation, but the place that their investments hold in their life, and how they affect their plans for themselves and for others.
Every client is different, but typical questions we might help a client with are:
• “How do I reduce my Inheritance Tax bill, while retaining enough money to live on and pay for future care?” [*]
• “How much should I be saving towards my pension?”
• “Should I be worried about my finances? What might my financial future look like?”
• “I’ve bought investments in fits and starts over the years; is my portfolio suitable for my needs and plans?”
• What happens if I get ill and can’t look after my family?
• “I want to support my grandchildren, but I don’t trust my son’s judgement with money. What’s the best way of achieving my aims?”
[*] The Financial Conduct Authority does not regulate Inheritance Tax Planning.
We belong to the Sense network, who provide our compliance back-up. Sense is authorised and regulated by the Financial Conduct Authority, and provides back-office services to small, independent financial advisers like me. They provide checks of the work that we do, ensure that our training and qualifications are up to date, and provide research into products and investments, as well as giving training, back-office services and accounting for revenue. I chose Sense after looking at several other networks, and selected them for the importance they give to treating customers fairly, the quality of their technology and client interface, and their rigorous approach to compliance.
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An Appointed Representative (AR) is a firm or person who runs regulated activities and acts as an agent for a firm we directly authorise. This firm is known as the ARs 'principal'.
There must be a written contract between the principal and the AR documenting the arrangement
The principal takes full responsibility for ensuring that the AR complies with FCA rules.
Principal firms make sufficient checks on the firm or individual to ensure they are financially stable and competent.