Working with you - Ginkgo Financial Ltd
Intelligent advice. Plain speaking. Excellent service. The three guiding principles of Ginkgo.

Working with you

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Just as there’s no such thing as an average client, there’s no one-size-fits-all financial plan. We’ll work with you to agree an approach that matches your unique personal and business situation, including:

Wealth – tax-efficient investing to support your financial goals at every stage of your life.

Protection – providing a buffer from life’s twists and turns by making sure your family and business are protected if you were to lose your job, fall ill or even die.

Succession – exploring ways of passing more of your wealth onto your loved ones tax-efficiently, including by creating trusts.

Retirement – planning for your retirement goals, including consolidating pensions, exploring pension freedoms or planning how you would cover the costs of long-term care.

Mortgage advice – buying property, remortgaging, sourcing buy-to-let, commercial and other specialist mortgages, and releasing equity from your property in later life.

 

How we work

Getting to know you
Before you commit, you need to get a sense of who we are and whether we’re the right people to help you. We start every relationship with a free 30-minute phone call. If you like what you hear, we’ll follow this with a face-to-face meeting or video conference to gather more information about any plans you have in place, your attitude to risk and return, and what you ultimately hope to achieve. Based on these conversations, we’ll draw up an outline plan and explain our fees clearly and simply.

Turning plans into action
At this stage, a small number of people decide they’d like to put our recommendations into action themselves, which they’re welcome to do. Most, though, prefer to accept our fee proposal and have us do the necessary work for them. This is quicker, simpler and gives you confidence that everything has been set up correctly. Rest assured that we will never start any chargeable work until you’ve agreed to it in writing.
 
Fine tuning and reviewing
Things change, so we design all our plans to be flexible. We will review your plan regularly and make sure it always keeps pace with your circumstances and goals. It’s best to revisit your plan yearly, but we can fit in a review whenever works best for you. We’ll also let you know whenever we have a new product or service that we think could interest you.

Financial planning is complicated – but it’s not a dark art! We pride ourselves on being open, easy to understand and accessible. We’ll explain everything in plain English and we’re here at any time to answer your questions, however small. We hope that we’ll become financial partners for life, working with you, not for you.

 

***** 5 out of 5

What were the circumstances that caused you to look for a financial adviser?

I needed an income to pay for my wife’s care home costs.

How did Daren help you?

Daren has been a tower of strength and knowledge. He is extremely knowledgeable and has looked after all aspects of financial planning in turbulent times. I am very happy with the care and expertise given to me.

Have you seen the outcome you were hoping for?

He has maintained my income in difficult times. He has never over promised and under delivered.

Review from Verified Client

***** 5 out of 5

What were the circumstances that caused you to look for a financial adviser?

I had a sum of money that I wanted to invest and my wife had money invested that was not working well so she wanted to transfer the money to a Fund that would do better.

How did Daren help you?

He listened to our needs and wishes, made a thorough analysis of our finances and gave sound impartial advice on investment funds to see which system would work best for us. He is honest and talks clearly without any financial jargon, which is very reassuring.

Have you seen the outcome you were hoping for?

Yes. Our investments performed 400% better than my wife’s previous investment fund in just 12 months. Over the past 4 years of uncertainty over Brexit the funds have still performed well. The Pandemic caused a major slump in the financial markets but things are now starting to hopefully get back to normal now that Vaccines have been developed and in use in early 2021.

What could they have done better?

No financial systems could have performed in the past year due to the unprecedented events. Daren has been open and honest and could not have done more in the circumstances.

Review from Verified Client

***** 5 out of 5

What were the circumstances that caused you to look for a financial adviser?

Daren has been giving financial advice to me and my wife for the past years. His clarity and really good advice has been invaluable, especially from the moment George Osbourne freed up pension regulations.

How did Daren help you?

His unbelievable knowledge has kept all our finances in good order and is a rock in these choppy waters!

Have you seen the outcome you were hoping for?

Yes and more

What could they have done better?

His financial advice has been invaluable, especially with his unbelievable knowledge.

Review from Verified Client

***** 5 out of 5

What were the circumstances that caused you to look for a financial adviser?

I needed specific advise regarding the transferring out of a final benefit salary scheme. My usual adviser did not hold the relevant qualifications to give this advice and recommended Daren to deal with it.

How did Daren help you?

Daren met with me online and discussed the implications on the transfer. After taking full details he used the information to establish whether a transfer was the correct move.

Have you seen the outcome you were hoping for?

Yes, Daren established that the transfer could go ahead and the transaction went through at the end of December.

What could they have done better?

Nothing, all went to plan.

Review from Verified Client

***** 5 out of 5

What were the circumstances that caused you to look for a financial adviser?

I sought advice from Daren 10 years ago because I was concerned that my portfolio was not being actively managed by my existing adviser.

How did Daren help you?

Daren confirmed that my portfolio had been mis-managed for some years and that I had been paying excessive hidden fees. He moved everything into a platform in a tax-efficient way and explained all costs, risks and potential rewards very clearly. He has continued to actively manage my investments as well as advise on my pension, personal and business taxation and property holdings.

Have you seen the outcome you were hoping for?

100%. Daren has been able to balance the performance of my portfolio (which is considerable better than when he took over) with using it to achieve my personal goals. His advice is clear, accessible and jargon-free and backed by flawless service from the whole Ginkgo team.

What could they have done better?

Nothing.

Review from Verified Client

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  • Ginkgo Financial Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

     

    Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 26/04/2023

     

  • Quilter Financial Services Limited and Quilter Mortgage Planning Limited is entered on the FCA register (https://register.fca.org.uk/s/) under reference 440703 and 440718.

  • The guidance and /or information contained within this website is subject to UK regulatory regime and is therefore targeted at clients based in the UK.

     

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