RICHARDSON AND ASSOCIATES INDEPENDENT FINANCIAL AND MORTGAGE SERVICES
Location:
Doxford Park - Unit 133
Regus House 4 Admiral Way
SR3 3XW
Sunderland
Tyne and Wear
What We Do...
  • Commercial Mortgages

  • First time buyer Mortgages

  • House Move or Re-Mortgage

  • Buy to Let Mortgages

About RICHARDSON AND ASSOCIATES INDEPENDENT FINANCIAL AND MORTGAGE SERVICES

 

As independent advisers our clients benefit from our being able to offer advice on the broadest range of products and services. Whether it be for mortgages, investment advice, retirement planning, inheritance tax planning or simply reducing costs, we have many years of experience in finding the most suitable solution for our clients' needs.

We provide advice and help following a personal / business financial review which can take place at a convenient time and place. Usually a review will start with a very broad discussion of your concerns and aspirations, before moving on to a thorough financial review.

Following your initial review, we will take time to consider your situation, needs and priorities before writing a detailed financial report. We will discuss this face to face in a follow up meeting in which we'll fully explain our recommendations and agree affordable priorities to assist you in acheiving your objectives.

Our charges can be structured in several ways. Some of our clients prefer a fee-based approach, whilst others are more comfortable with an adviser facilitated charge basis. Either way will result in our fully disclosing our fees in an open and transparent manner.

Will writing and Inheritance Tax planning are not regulated by the Financial Conduct Authority

 

 

Experience & Qualifications

Richardson & Associates has been established since 2004. We are a team of 4 advisers with over 70 years' experience between us in the financial services industry. We are dedicated to unbiased face-to-face financial advice. We have fully qualified financial advisers on hand to provide and tailor financial advice to meet your needs, covering Newcastle, Sunderland, Durham, Northumberland, Teeside, and the surrounding areas. For mortgages, we can work on a fee or commission basis. Our typical fee is £395. All costs will be discussed at our first meeting which will be free of charge.

Qualifications Anthony McCretton

CE-MAP -Mortgage qualification

Qualifications Tom Richardson Dip PFS CII {Life and Pensions}

CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
J05 - Pension Income Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
J04 - Pension Funding Options (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.
CF2 - Investment and Risk (CII)

 

Richardson & Associates Independent Financial & Mortgage Services Ltd is an appointed representative of TenetConnect Services Limited, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Services Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference 150643.

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