Financial Management Bureau Ltd is authorised and regulated by the Financial Services Authority (FSA) and is bound by their rules. We are authorised as an INDEPENDENT ADVISER to advise on and arrange insurance policies, pension plans and collective investment schemes.

As IFAs we are able to offer a number of ways for our clients to pay us for the advice and services we provide to you. This detail is contained within the Combined Initial Disclosure Document and Menu of fees we have given to you.

We offer independent advice, but occasions can arise where we or one of our other customers will have some form of interest in business, which we transact for you. If this happens or we become aware of that interest or those of one of our customers conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions.

When we have arranged any investments for which you have given instructions we will not give you any further advice unless you request it, but we will be glad to advise you at any time you ask us to do so.

We require our clients to give us instructions in writing. We will accept oral instructions at our discretion which must be confirmed in writing.

Our authority to act on your behalf can be terminated at any time, without penalty by either party without prejudice in writing.

You or your appointed agent can inspect documents solely relating to the transaction of your investments, we reserve the right to provide copies where the original documents would allow access to information of other clients transactions. All our records will be retained for a minimum of six years, or longer as specified by our regulators. If you are not happy with this arrangement and wish us to dispose of the information earlier you need to inform us of this in writing.

We are required to verify your identity in accordance with the Proceeds of Crime Act 2002 and the Money Laundering regulations, no investment will be made until such verification has been obtained.

All investments will be registered in your name unless you first agree in writing.

We will forward to you all documents as soon as possible after we receive them unless previously agreed with you.

FOR YOUR ADDITIONAL SECURITY WE DO NOT HANDLE CLIENTS MONEY.

We reserve the right to share commission or fees with third party Introducers if this is to happen we will inform you in writing.

It is understood that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be able to advise you as to your investment needs. We confirm that the information was correct at the time it was obtained from you. We confirm that this information will not be used, or transferred by us to any other firm or company without your consent. We confirm that we cannot be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. In order to advise you properly, we must obtain certain information from you about your personal and financial circumstances in order to assess the suitability of particular products or services. We will need to obtain and maintain certain other records. We need your express consent to hold and maintain these records for as long as you remain a client(s) of this company.
 

Authorised and Regulated by the Financial Services Authority. Registered in England & Wales No. 2089786 Registered office address Shenstone House, Helsington, Kendal, Cumbria LA8 8AA.