Fernleigh Wearden & Company Ltd
Independent Financial Advisers
Four fields. That’s it.
One of our advisers will ring you back by the end of the next working day, at the time you asked for.
In a hurry? Call us on 01772 864314, 9am–5pm Monday to Friday.
About us
Financial advice has a reputation for being opaque. Here is exactly what happens, in what order and where you get to decide.
Our process
Financial advice has a reputation for being opaque and a good deal of that reputation is earned. We would rather you knew exactly what happens, in what order and where the decisions are.
The first two steps cost you nothing. Nothing is implemented until step five and nothing is implemented that you have not read, understood and agreed to in writing.
If at any point you decide it is not for you, that is a perfectly reasonable outcome and we will not chase you about it.
Live life by planning well.
Our motto, since 1985Step by step
A chat, at our office, your home or over video. We listen, you ask questions. There is no charge and no obligation and if we can't help we'll say so.
What you have, what you owe, what you want and how you feel about risk. This is the part most people find surprisingly useful in itself.
We review your existing plans, charges and funds against the whole of the market. Being independent means nothing is off the table.
A written report in plain English setting out what we suggest, what it costs and why. You take it away and think about it.
Only once you're happy. We handle the paperwork, the providers and the chasing, which is usually the tedious bit.
If you'd like us to, we'll review everything at least once a year and tell you honestly if nothing needs changing.
What you can expect
We will always endeavour to keep you with the adviser you first met. If they are away, whoever helps you will already know your file.
If you leave a meeting unable to explain your own plan to someone else, we have not done our job properly.
Where it is not in your interests to proceed, we are obliged to say so. Including when proceeding would earn us a fee.
Common questions
From first conversation to implementation is commonly six to ten weeks. The slow part is almost always waiting on your existing providers — obtaining written confirmation of what you hold typically takes four to six weeks and occasionally up to twelve. We do the chasing, but we cannot make a provider reply faster than it chooses to.
Whatever you have. Pension statements, policy documents, a rough idea of what you earn and spend. If you have nothing at all, come anyway — we can work from there.
Mark charges an initial fee of £175 for the first meeting, as those meetings are often more complex and time consuming, but Paul and Dan do not.
At the first meeting we will give you our Terms of Business and contact details and confirm what our costs will be, then give you time to think about it before deciding whether you wish to go ahead. See our costs page.
There is no obligation to proceed at any stage if you do not wish to do so. We do not work to sales targets and nobody here will chase you.
Every December we write to you with an annual investment report and up-to-date valuations. Separately, we offer you a review meeting at least once a year — in person, by phone or over video, whichever suits — at no additional charge.
The review covers performance, charges, your objectives and whether your attitude to risk has shifted as a standard. We then review your products, providers and fund choice and make recommendations on whether anything needs changing. This often includes changes to the fund choice, which is included in the cost of your ongoing service.
Yes, at any time. It is an ongoing arrangement, not a contract you are locked into.
Our services
Advice areas overlap. Part of our job is spotting which ones actually apply to you.
It costs nothing and commits you to nothing. Tell us when suits and an adviser will ring you back.
