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IFA Special


Jayne and Alex

Two members of staff have seen their investment pay off – by becoming qualified independent financial advisers.

Alex Douglas and Jayne Mumby were successful in final exams to pass their Diploma in Regulated Planning Services, the benchmark qualification for advising on retail investment products. They have been studying for it over the past three years.

Jayne is an AAT qualified accountant.

RNS partner Alex is one of three qualified chartered accountants in the practise who is also a qualified independent financial adviser. Their detailed knowledge of taxation and investments ensures better advice can be given.

He said: “I'm delighted to have passed the diploma because helping people with their financial planning is something I enjoy.

“However, I will still continue with my accountancy clients. It is another string to my bow.

“It adds to the capacity of the RNS Independent Financial Advisers' team. Our services have become more and more popular over recent years.

“Clients like the fact they are dealing with somebody local who they may have known over a number of years.

“We are not some faceless individual on a telephone line or in a web chat.

“Financial planning can involve big decisions in somebody's life. We might be looking at investments or it could be advice about pensions or succession planning.

“Either way, it can make an enormous difference to the individual and their family or business and that's where the trust built with clients on the accountancy side can help on the IFA front too.”

Jayne was also delighted to have passed the exams.

“It's been hard work at times but worth all the effort,” she said.

“It is important clients know that we have the necessary qualifications to give them sound and proper advice when it comes to investments and pensions.

“It's an uncertain world. But one thing that does not change is the level of service clients can expect from RNS IFA.”

Other members of the IFA team to have already qualified with the diploma are Andrew Clayton and Catherine Snell.

The newest member of the team, Aidan Boucher, is studying for his.

Senior partner John Heeney congratulated Alex and Jayne on their success.

“Clients can have the utmost confidence when speaking to the IFA team,” he said.

“The exam success has given it the extra capacity needed, with more accountancy clients also using our expertise on the financial planning side.”

About us

RNS Independent Financial Advisers is authorised and regulated by the Financial Conduct Authority.

Our advisers will review retail investment products and solutions from the whole market to ensure that your financial objectives are appropriately fulfilled.

We offer advice on many different products to suit the investor's personal risk profile ranging from capital protected funds to higher risk investments. 

We encourage prospective clients to arrange a free initial consultation at our offices in Scunthorpe, Brigg and Barton or at your home or place of business.

Our services

As financial advisers we provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives.

Some of the key areas we advise on are:

Savings and investments

From childhood most of us are told to put away money to save for the future – perhaps for something special; or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt.

Whether we place your money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure.

When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside, but can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car.

The most common way of 'saving' is into a bank account ('deposit' account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest.

Investments are designed to be held for a longer term, usually at least five years.

You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have some savings in place.

Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your savings.

Pensions

Pensions are, of course, designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.

There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling.

Protection

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.

Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

There are various ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.

We can help with different ways to protect your family and your standard of living when you need it most.

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