faq's

An IFA is independent, meaning they are not tied or restricted to specific providers of financial products. They work for themselves, acting on your behalf, and their advice is completely impartial.

As a registered IFA, James Williams and his team at Proactive Financial can advise you on all the financial products across the market that they think best suits your situation.

Forget the old-fashioned commission basis, reputable financial advisers no longer work this way.

Instead, we operate a highly competitive fee system that we believe offers excellent value for money. This will always be clear in our quotes so you know exactly how much you are paying for our advice and services.

Your first meeting is always on us – we’ll be completely open about how we can help you, and are happy to explain how our fee structure works in more detail.

You can invest as much or as little as you wish. If we are taking a holistic approach to your financial planning, we’ll be able to advise you on all aspects of your wealth management, including savings and investments, your pension if you wish, and any protection policies that it may be prudent for you to take out.

All of these things will affect the amount of money you have available for investment, and our guidance on your option will take this into account, as well as your overall attitude to risk.

Of course! As independent financial advisers, we can access products across the whole financial market advice and are not restricted in any way to particular providers, so we can help you navigate all your pension options.

Many people are taking advantage of the new pension freedoms, including transferring their benefits from ‘final salary’ pension schemes, and we are able to advise on this too.

Yes, we are very happy to advise business owners and charities seeking advice on financial matters including investments and company pensions.