Charles Derby Group

Financial Adviser in the UK

For total peace of mind

 

Charles Derby Advisers all share and adhere to our company standards, training and compliance requirements and our client promise. 

 

Aims

 

Charles Derby is a UK advisory business devoted to helping individuals with their financial planning. We pride ourselves on service and aim to be recognised as one of the very best advisory businesses in the industry. We believe in face to face service and have a large team of Advisers spread across the UK, including Scotland and Northern Ireland, to ensure this personal service is delivered in practice. Wherever you are, we will look to provide a local Adviser. 

 

Benefits

 

We aim to meet or improve on the highest professional standards. You will always benefit from expertise as our advisers are all qualified and kept up to date through a comprehensive training and competence scheme. This ensures that technical developments and changes in the marketplace, as well as servicing issues and technology improvements are communicated to our advisers so they can provide the best possible service to all our clients. Charles Derby is also large enough to provide scale benefits. This means that preferential terms may be available from time to time that are not available through other advisers or direct to consumers. For example, we are, at the time of writing, the largest pension advisory business in the Intrinsic Network which is itself one of the UK’s top 10 Advisory Businesses. 

 

Expertise

 

Our Senior Management Team has an average of over 25 years’ experience in the industry. So, in addition to the skills and competency of our Advisers, you can rest assured that our company has the depth of experience and knowledge to provide our services for the long term. We pride ourselves on providing ongoing service and always aim to maintain long term relationships with our clients. This commitment provides the security and continuity needed to help our clients set and review plans with confidence. 

 

Strength

 

To ensure that we can meet our client obligations now and into the future, we recognise the need for and have the strength in depth to meet the financial and resourcing challenges that can hit any business. We operate with no debt, own our head office and also have the support of one of the UK’s biggest Financial Advisory Networks – Intrinsic Financial Services. Intrinsic Financial Services was established in 2005 by Lord Leitch. With over 3300 Advisers in the Network, strength and scale is a positive advantage for Charles Derby Group. Our membership of Intrinsic provides a wide range of client benefits, including cost efficiency through the centralisation of resources, which avoids duplication.

 

Ethos

 

In addition to our client promise, we are committed to high ethical standards and maintain an ethos for our business which places fair treatment for all our advisers and staff at its core. We aim to provide the best possible working environment and conditions. Charles Derby also seeks to align excellent client service with the remuneration and rewards provided to Advisers. This is demonstrated by the fact that all Advisers participate in a share ownership scheme which places the long term interests of each individual Adviser with those of the business.

Contact details

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Head Office Address      

Charles Derby

6 Tollgate Business Park
Tollgate West
Stanway
Colchester
Essex CO3 8AB

The value of Pensions and Investments and the income they produce can fall as well as rise. You may get back less than you invested.

 

Investors do not pay any personal Tax on income or gains, but ISA's do pay unrecoverable Tax on income from stocks and shares received by the ISA managers.

 

VCT & EIS invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

 

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

 

transferring out of a Final Salary Scheme is unlikely to be in the best interests of most people.

 

Tax treatment varies according to individual circumstances and is subject to change.

 

Trusts, Auto Enrolment, Buy to Let Mortgages and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

List of Services

Investments

  • Bonds
  • Collectives
  • EIS
  • Endowments
  • Fixed Interest
  • Investment Trusts
  • ISAs
  • OEICs
  • Offshore Collectives
  • Structured Products
  • Unit Trusts
  • VCT

Mortgages

  • 1st Time Buyer
  • Buy to Let
  • Endowment
  • Equity Release
  • Help to Buy
  • Interest Only
  • Let to Buy
  • Remortgaging
  • Repayment
  • Shared Equity

Pensions

  • Annuities
  • auto enrolment
  • Executive Plan
  • Final Salary Pension
  • Income Drawdown
  • Occupational
  • Personal Pension
  • QROPS
  • Retirement Plan
  • SIPP
  • SSAS
  • Stakeholder
  • State Pension advice

Personal Insurance

  • Convertible Term
  • Critical Illness
  • Decreasing Term
  • Endowment
  • Family Income Benefit
  • Income Protection
  • Increasing Term
  • Investment Linked
  • Level Term
  • Long Term Care
  • Permanent Health Insurance
  • Private Medical
  • Renewable Term
  • Whole of Life
  • With Profits

Business Insurance

  • Key Person
  • Pension and Capital
  • Share Protection

Wealth Preservation

  • Inheritance Tax
  • Trust Information

Charles Derby is a trading style of Charles Derby Financial Services Limited which is an appointed representative of Intrinsic Mortgage Planning Limited and Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority (see the FCA register at www.fca.org.uk/register/, references 440718 and 440703). 

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