Specialist Independent Financial Planning for the Veterinary Profession

How we work

At DFM Financial Planning Ltd we offer products and services as follows:

Investments and Pensions

We offer an independent advice service. This means that we will make a recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market.

Non- Investment Insurance Contracts

We offer non-investment insurance products from a range of insurers. Examples include:

  • Term assurance
  • Income protection
  • Critical illness

The Process of Working Together

The process starts with an initial discussion (at our expense) during which we will describe our services more fully and explain the payment options. Following our initial discussion, should you decide to go ahead there is a cost for our advice and services.

If you decide to proceed, we will:

  • Gather and analyse personal financial information about you and your aims and objectives
  • Consider your attitude towards risk
  • Recommend and discuss any action we think you should take and, with your agreement, arrange relevant solutions for you

Any advice or recommendation that we offer will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider.

We will confirm to you in writing the basis of our recommendations along with details of any risks associated with the products we recommend.   You can read our Client Agreement here.

The Bottom Line

Rest assured that our pricing structure will always be made clear in advance and agreed by you, the client.

Our focus is on planning rather than transactions and therefore our fees are based on the levels of service and expertise you require from us. Additionally, relationships with our clients are long-term and built on trust.

We will work alongside your business to understand its direction and current challenges, including the welfare of your staff and potential succession planning.

DFM Financial Planning Ltd is an appointed representative of Opus Independent Financial Planning Ltd. Registered in England & Wales Number 07304649. Opus Independent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. FCA No: 529492.

Registered Address: DFM Financial Planning Ltd, 7 Arden Court, Arden Road, Alcester, Warwickshire, England, B49 6HN. Registered in England & Wales, No. 11480293.

Neither DFM Financial Planning Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

Please read our Privacy Notice before completing any enquiry form or before sending an email to us.

COMPLAINTS PROCEDURE & FINANCIAL OMBUDSMAN SERVICE (FOS)

If you have any complaint about the firm, or a service we have provided, please let us know by writing to the following address or by email or telephone: Mr B Rees, Opus Independent Financial Planning Limited of 1 Coleshill Street, Sutton Coldfield, West Midlands, B72 1SD, info@opusifp.com, or 0121 354 4034

We promise to deal with your complaint in a fair and objective manner. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you will usually have the right to take your complaint to the Financial Ombudsman Service www.financial-ombudsman.org.uk/ . The Financial Ombudsman Service is a free and easy-to-use service that settles complaints between consumers and businesses that provide financial services. They resolve disputes fairly and impartially.

FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if, for any reason, we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.

Investments – Most types of investment business are covered up to a maximum limit of £85,000. Insurance – Advising and arranging are covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, advising and arranging is covered for 100% of the claim, without any upper limit.

Where it is appropriate to do so, we may recommend products or funds that are not based in the UK. In the event that the providers of such funds are unable to meet their obligations, these are not covered by the FSCS compensation arrangements. If the product or fund is based in the European Economic Area (EEA), you may be covered by the local investor compensation scheme. We will make you aware if our recommendation includes such products or funds.

Further information about the compensation scheme arrangements is available from the FSCS www.fscs.org.uk/consumer.