Independent Financial AdviceDaly Harvey Morfitt was established as a firm of financial advisers in Birmingham in 1973 and has since moved to Warwickshire. Over the last 30 plus years we have seen many changes in the type of product available to our clients and the performance of the markets over the last 30 years. Using this experience, as well as the time served experience of our individual advisers - we are able to give considered, professional advice to all our clients.
Advisers to professionals Like most firms of independent financial advisers we have a wide cross-section of clients from all areas of the country and all walks of life. A large number of our clients are professionals – solicitors, accountants, bankers, directors, senior managers and business owners as well as retired professionals. In fact we have been known to advise fellow IFAs on particularly complex investment and pension arrangements. We understand the particular needs of professionals who often require financial plans that are flexible and address their complex requirements. If you want advisers who can discuss complex financial plans contact Daly Harvey Morfitt. Advisers to business As IFAs we manage and administer a number of company group pension schemes for clients including a major London Cathedral. As the conduit between the scheme members, the company and the insurance company the Daly Harvey Morfitt team prides itself on sorting out the bureaucracy and explaining complex matters in layman’s terms. For advice on company and group pension schemes contact Daly Harvey Morfitt on 01789 299655.
Financial Advisers serving the UK The firm is located in Stratford-upon-Avon in Warwickshire in the middle of the UK and as such is perfectly positioned to serve clients throughout the country. How we work As independent financial advisers we are free to advise on financial products available from all product providers. Our advisers research, compare and select the most suitable products for each client’s needs. Taking the first step With all clients the first step is to undertake a thorough financial review. This allows us to understand your current financial circumstances and gives an opportunity to discuss current and future financial goals and objectives. One of our independent financial advisers will prepare a report, illustrating your current financial status and making recommendations on the products available to you. If you decide to proceed and follow some or all of our recommendations and become a client we will undertake regular reviews, normally on at least an annual basis to confirm with you that your financial goals are being achieved and that your circumstances have not changed. How we are paid The first half-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead. After the initial free consultation, we will agree with you whether you pay us a fee or we are to be paid out of the cost of any financial product you buy (commission). You will always be told about any commission we earn, and it will be taken into account in working out our fee.
Commission Commission is paid to an IFA firm by a provider, usually an insurance company or an investment house for the successful placing of business. The maximum amount of commission is based on a percentage of the premiums payable or sums invested, and it is our policy always to agree commission terms with you. Fees Where we agree to work on a fee basis, we will always agree a fixed fee with you in advance. HM Customs and Excise take the view that financial advice, which results in the execution of an investment, is exempt from VAT, whereas other advice would be subject to VAT.
Contact Daly Harvey Morfitt to arrange an initial free consultation - call 01789 299655. Read more: Retirement planning Saving and investment strategies Mortgages Inheritance tax planning Protection for yourself and your family
