• Rachael Panteney

5 Questions to ask your Financial Adviser...

Just as you wouldn’t choose a builder without finding out about them first, you should check out your adviser before committing.

It’s essential to do your homework before committing yourself. The relationship between you and your financial adviser is a vital one.

1️⃣ How and what do you charge?

Different advisers charge in different ways and many provide a free meeting up front. Find out if they charge by the hour, or by specific project, and whether they will charge for ongoing advice in the coming years.

2️⃣ Do you have many clients like me?

Some financial advisers focus on particular types of people, so just check that they have dealt with similar situations before.

3️⃣ What qualifications do you have?

Since 2013 all Financial advisers must have QCF Level 4 as a minimum and must engage in continual professional development to keep their qualifications.

Some types of advice require the adviser to have specialist qualifications so make sure that the adviser is qualified in areas relevant to your finances

4️⃣ What’s your investment philosophy?

Getting a good adviser “fit” can often depend on philosophy and style. Your adviser is duty bound to invest your money in line with your own risk appetite, not his or hers, so finding an adviser who thinks like you about goals, volatility and comfort can help you to build a rapport and be happy with the suggestions he or she makes.

5️⃣ Can I check your credentials?

Unless you have found your adviser by word of mouth, an adviser’s own website may be informative and also detail any affiliations, but you can also check online that they are on the Financial Services Register to ensure they are regulated and approved by the Financial Conduct Authority.

To find out more about how Willow Tree Financial Services can help you achieve your financial goals, call 01323 436680, or go to willowtree-fs.co.uk

Investments may fall as well as rise in value and you may not get back what you put in.

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Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

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