FORWARD

FINANCIAL PLANNING LTD

About Us

(Last updated 9/1/2020)

On 9/1/2020 BBC announced that 12,000 people who put £236M into failed London Capital & Finance will not be entitled to compensation. Apparently where the Financial Services Compensation scheme may cover misleading advice it does nor cover incorrect information. Forward Financial Planning (FFP) has never had anything to do with London Capital and Finance but I find this quite shocking because had we provided misleading advice we would have been liable to pay compensation  reinforced by Professional  Indemnity insurance and in those circumstances the Financial Services Compensation scheme would have been there as  a possible last resort.

In October 2018 Jerome Powell (USA Central Bank) announced a "normalisation" of interest rates- and markets began to rapidly fall in capital value. In early 2019 the policy to "normalise" was abandoned and markets began equally rapidly to again increase in value. 2019 has been a good year for risk takers, our recommendation of "London and Manchester" as part of a portfolio (built after we agree your attitude to risk) is an example of spectacular performance.

With an American election looming, economies slowing and trade wars threatening personal regulated advice is more important than ever.In my opinion at some point "normalisation" of accepting negative rates of interest and the cost of secure pensions becoming unaffordable will have to change. The current "big idea" is to start printing money to be used directly to fund government expenditure.I suspect this will be inflationary and if so the real value deposit accounts could be destroyed

Our company stands as mediators between you the retail customer Closed Investment Companies (Investment Trusts), Open Ended Investment Companies, Dated UK Treasury stock, and Insured Deposit Providers.Very simply  we offer 11 risk graded portfolios, 100% insured funds (grade 0) to 100% at risk (not insured funds grade 10)Our portfolios are built after in depth analysis of your life goals expressed in cash flow planning with capacity for loss tests for which we are responsible.

We are directly regulated by the Financial Conduct Authority, covered by the Financial Services Compensation scheme and have a complaints proceedure with access to the Financial Ombudsman service. 

To learn about how we are different please refer  "what to expect from our advice process"

To obtain more information in a manner that suits you see tab "Inquiry"

or

telephone 02891826767 (answering service 24/7)

 or

You may find what you require in "Guidance library"  (see tab)

Legal.

Please look under tab "Your costs/Estimate/Client agreement." This sets out our terms and conditions and if you scroll down to "Estimate of your total cost of ownership using this client agreement" you will find  a cost calculation tool. If under "Estimated funds under influence" you insert the amount of funds that you are seeking us to advise you on and insert the date the table will provide an immediate estimate of not only our charges but other costs that could arise. At the end of the mediation year we issue an invoice showing what is due less any retainer agreed. This is calculated as a percentage (0.96%) based on the funds under our influence at the end of the year,- and subject to our minimum retainer of £1,800 per annum. Our estimate shows possible variations calculated as a percentage of your funds. Each year our service administrators produce reports detailing their record of total actual charges. 

Personal Information

David and Frances Jebb set the company up in 1980, incorporating as a limited liability company in 1983. David is a "Chartered Financial planner." He retains a "Certificate of Professional Standing" issued by the "Professional Finance Society" based on submission of evidence of "Continuous Professional Development."

Indepth support

One of our strengths is that every client receives personal and considered advice from a very experienced Chartered Financial Planner who is not afraid to "think outside the box". David  (21/01/1954) personally conducts every meeting supported by an administration team both "inhouse" and "outsourced". We retain "Compliance First" (Glasgow G511PR) a leading financial adviser support business. One of their roles is to ensure a seamles continuation of advice  - if David was not working due to ill health or when he eventually retires.   

Personal Conviction

David believes  "Jesus the Christ"  is the "Word of God" and in an uncertain world GOD is our only certainty.This impacts how the company is run- see tab "Right Just Fair"

 

 

waiting in office

Preparing for clients to arrive

enter our business
office yard