about

Our Approach

Many companies have a mission statement. Whilst we have no objection to these, they are only effective if all employees abide by them.

Our approach is slightly different. We refer to the three Es – which stand for Experience, Education and Ethics. We believe that only if all three are in place do clients get the best service possible.

You can see from our mugshots that we’re both well over 21! We’ve been financial advisers since the late 1970s – so plenty of experience.

In addition both of us have undertaken periods of study and passed examinations beyond those required by the regulator. We both also undertake regular continuing professional development. That takes care of education.

So, that just leaves ethics. How can we demonstrate that we behave ethically? Well, since 2008 we’ve been sending new clients a short customer care questionnaire when we complete our first piece of business with them. Many clients have returned these and not only have they ranked us highly in answer to the 6 questions we’ve asked, but have added notes complimenting us on our service. Others have recommended us to friends, relatives or work colleagues. There are now over 100 of these questionnaires available for inspection at our Northampton office if required.

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Our Services

Michael Forward Dip PFS, Cert SMP

Michael’s early career was spent at Halifax Building Society where he received a good grounding in mortgage underwriting. He left there in 1979 to become a mortgage broker. Whilst he has also spent some time as a sales manager running a team of mortgage advisors, he has been involved in mortgage broking ever since. In addition to ‘ordinary’ mortgages he also arranges lifetime mortgages [a sort of equity release], second mortgages, bridging loans and buy-to-let mortgages.

When not at work he enjoys walking and tennis. He spends time in the summer as a cricket umpire locally and also follows test matches. During the winter he regularly goes with his son to watch Northampton Saints. He is married with two grown-up children.

 

 

 

Andrew Smith Dip PFS

With over 30 years’ experience as an Independent Financial Adviser, Andrew is well served to provide comprehensive and friendly advice on all aspects of pensions and retirement planning, and he is also a qualified pension transfer specialist.

He is married with three daughters, and in his spare time enjoys most sports and is a county veteran table-tennis player.

 

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