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| The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. | ||
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Bernas Coni Warren was founded by John Bernas AIFP, dip PFS in 1991, to provide financial planning advice to clients on a totally independent and impartial basis. |
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| John has been providing professional
financial planning advice since 1985. John holds the "Financial Planning Certificate", "Advanced Financial Planning Certificate", and is an Associate & Founder Member of the UK Institute of Financial Planning. |
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Financial Planning | Our Services | Our Clients | Expertise | Reviews | Fees & Commissions |
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| The FSA do not regulate some forms of
tax planning and school fees planning advice.
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| Financial Planning | ||
| A plan is something you make when you're keen to achieve something successfully. | ||
| Yet many of us give little more thought to our financial future than we do to our food shopping. We're too busy and/or don't have the skills to sort out the big stuff. | ||
| That's where a professional and independent financial planner comes in ... | ||
| What is Financial Planning? | ||
| Financial planning is about: | ||
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Learning about you and your circumstances | |
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Helping you to clarify what 'goals' you wish to achieve | |
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Analysing appropriate solutions, based on our expertise and experience | |
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Making clear, unbiased recommendations, based on what's best for you | |
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Implementing the plan, to achieve your aims | |
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Reviewing your position in the future - to monitor progress and cater for any changes | |
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| Our Services | ||
| By employing the services of an Independent Financial Adviser (IFA), you will achieve the widest possible choice of financial solutions. | ||
| We act as your "buying agent" - selecting items which really suit you - rather than being product-salesmen for a company. | ||
| Your central financial adviser should be independent and impartial. | ||
| Financial advisers who are not independent
may: (i) have a conflict of interest between your needs and those of their employment; and (ii) also be aiming to sell you products which cost you more (or are less good) than those available elsewhere. |
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| But at Bernas Coni Warren, we can help you to: | ||
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Organise your financial affairs | |
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Protect your financial well-being, and that of your family | |
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Improve your long-term finances, and save for the future | |
| More objectively, we can help with: | ||
Estate planning & Inheritance Tax |
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Pensions planning for retirement |
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Family's financial security |
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Mortgage-related life insurance |
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ISAs & other investments |
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Critical Illness Cover (CIC) |
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Income-Protection in case of ill-health |
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Educational fees planning |
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| Our Clients | ||
| Our clients are men and women of all ages; are employees, self-employed and retired. | ||
| They all have one thing in common: the desire to receive good, honest, unbiased advice and value for money. | ||
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| Expertise | ||
| Our taxation and financial planning expertise, knowledge and judgement will help you to find the most appropriate route to achieve your aims. | ||
| We may need to consider quite a broad range of options and solutions for you. | ||
| The expertise of other professionals (e.g. accountants and solicitors) can be co-ordinated for you: to bring in their particular skills, if/when needed. | ||
| In this way, you can achieve your objectives - and avoid unnecessary or inappropriate use of your other advisers' specialist expertise. | ||
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| Reviews | ||
| Banks, insurance companies and so on are in competition with each other and they compete by introducing new products and services all the time. And tax laws change regularly. | ||
| In addition, your circumstances might change: you might marry / divorce / move house / have children / retire / win the lottery (well, perhaps not) / become ill / inherit some money / etc. etc. | ||
| This means that most personal financial plans should be reviewed from time to time - to take account of the latest developments and changes in circumstances. | ||
| If (but only if) you wish, we will review your financial plans periodically in the future and provide further advice based on your needs. | ||
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| Fees & Commissions | ||
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There is no fee for an initial meeting, from which no obligation arises. | |
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To help to keep fees as low as possible, we generally retain any commissions received. | |
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If an investment leads to a commission payment, then you are given details of that commission, in advance. | |
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Where the cost of our work for you is not fully covered by any commissions arising, work on your behalf has to be charged for. Timesheets are maintained, and the fee is based on the number of hours worked. | |
| NB: We work for you when providing advice and arranging financial transactions. The goal is to provide you with what's most appropriate - rather than being biased by commissions. | ||
| Please contact us if you would like any additional information. | ||
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| The editorial here does not constitute
personal advice. It reflects Bernas Coni Warren's understanding of current law and tax practice, and is without prejudice. No liability shall attach. Errors & Omissions Excepted. |
| © Copyright Bernas Coni Warren |
www.BernasConiWarren.com  01275
83 73 037 School Close, Whitchurch, Bristol, BS14 0DU |
| Bernas Coni Warren is an appointed
representative of Sesame Ltd, which is authorised and regulated by the
Financial Services Authority. Sesame is entered on the FSA Register under reference 150427. |