Frequently Asked Questions


Here are a few typical questions when we see new potential clients.

We are independent financial advisers, meaning we can recommend products from across the entire market. This ensures that our advice is unbiased and in your best interest.

During our initial consultation, we will discuss your financial goals, current situation, and any specific concerns. We will also explain our services and fees and how we can work together to achieve your objectives.

We take a holistic approach to financial planning, considering all aspects of your financial situation, including savings, investments, pensions, and insurance, to create a comprehensive plan tailored to your goals.

Yes, we can provide references upon request. Many of our clients are happy to share their experiences working with me.

We recommend at least an annual review to ensure your financial plan remains aligned with your goals and any changes in your circumstances. However, we can review it more frequently if needed.

You can terminate our agreement at any time. The terms and conditions, including a 30-day notice period and outstanding fees, will be outlined in our initial agreement.

Our investment philosophy is based on decades of academic research. We believe in a global, low-cost, passive approach to investing and that it is appropriate to tilt portfolios towards certain asset classes that have been proven to generate higher long-term returns.

We will assess your risk tolerance, investment goals, and time horizon to create a diversified portfolio that aligns with your objectives. We use a mix of asset classes to manage risk and optimise returns.

We regularly attend professional development courses, industry conferences, and seminars. We also stay informed through professional journals, regulatory updates, and continuing education. Our compliance consultants are among the most well-known in the industry.

Consilium specialises in retirement planning, investment management, tax planning, and estate planning. We also work with small business owners on their financial needs

As independent advisers, we adhere to a strict code of ethics and regulatory requirements to manage conflicts of interest. Transparency and client interests are our top priorities

We are able to advise you on most aspects of pensions; however, we have decided not to provide advice on transfers away from Financial Salary Pension Schemes. The decision was based on the additional costs and advice issues that faced the majority of clients in this area.

All investments carry some level of risk. To ensure you make informed decisions, we will explain the specific risks associated with each product, including market volatility, credit risk, and liquidity risk.

Yes, we can advise on estate planning strategies to minimize inheritance tax and ensure your assets are distributed according to your wishes.”

Still have more questions?

Why not use our contact form to send us your enquiry? Alternatively, please book an appointment below to arrange an online initial meeting.
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