Being independent financial advisers means approaching every client as an individual, with individual needs and goals. By placing clients at the very heart of what we do and having a clear understanding that when engaged by a client, we work for that client and not for a product provider. This means that the outcomes delivered for clients are bespoke to that clients’ needs and goals.
Furthermore, in order to be truly independent, we have long believed that advisor remuneration must be divorced from the particular end product chosen, ensuring there is no bias towards a particular product or solution.
Here are a few of our core values:
Clients sit at the centre of our entire proposition
Treating clients fairly and honestly in a clear and engaging manner
To be part of a client solution, based on how the client wants to be engaged
At Blue Sky Financial, we believe the financial planning is an ongoing process to help you make sensible decisions about your money, which in turn can help you achieve your financial goals over your lifetime. It’s not just about buying products like a pension or an NISA, but building a financial plan that changes as your life changes and builds financial prosperity for you and your family.
We follow an approach to your circumstances which will allow you to create your own sound financial plan in six steps:
Step 1 Establish your goals in life – short, medium and long term.
Step 2 Work out what assets and liabilities you have.
Step 3 Evaluate your current financial position.
Step 4 Develop a plan to achieve your different goals.
Step 5 Implement the plan.
Step 6 Monitor and review your plan, making adjustments when needed.
Financial planning is a journey and not a destination. Blue Sky Financial look to review clients financial plans over the journey, to make sure your financial plan continues to fulfil your goals, as those goals change throughout your life and ultimately for your family on your death.
Treating customers fairly
Treating customers fairly (TCF) is central to the delivery of The Financial Conduct Authority (FCA) retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.
Blue Sky Financial Ltd fully supports the Financial Conduct Authority Treating customers fairly initiative and works to deliver the six consumer outcomes which are summarised below:
Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.
Where consumers receive advice, the advice is suitable and takes account of their circumstances.
Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.
Information held about you
We are committed to protecting your privacy: we will not pass on any of your details, email addresses etc. to third parties without your consent.
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998.
This website is a guide on advice and does not try to recommend specific products. Please speak to us regarding the suitability of any advice.
Where there are third party links to other sites, for instance calculators or budget tools, please be aware that we are not responsible for the content on these sites, you should see a pop up warning you of this before proceeding to external sites when this is the case.
We cannot be held liable for any loss caused to you by use of these external sites.
Due to the nature of the internet, any liability we may have for any losses or claims arising from an inability to access the websites, or from any use of the websites or reliance on the data transmitted using the websites, is excluded to the fullest extent permissible by law. In no event shall we be liable for any loss of profit, revenues, goodwill, business opportunity, anticipated savings or other indirect or consequential loss of any kind in contract, tort (including negligence) or otherwise arising out of use of the website.