Our Process

Our Process

Taking Independent Financial advice

Our advice process begins with a free consultation to discover your financial needs and aspirations.
You will never be under any pressure or obligation to proceed at any stage.
After your free consultation you can either continue into your first advice session or take more time to conside.
If you do decide to proceed, we use the following process to help you get from where you are now, to where you want to be.

We Understand your needs

To make suitable recommendations on your financial future, we will work with you to build an accurate picture of your overall financial situation, your financial objectives and the levels of planning that will meet your needs. Additionally, should your enquiry involve investments we will conduct a detailed risk profile questionnaire to understand your attitude to risk.

We identify your goals

So that you can clearly understand what you're working towards, in the short, medium and long-term. Some examples you could consider are:


  • Protecting your family's income from critical illness, death or disability

  • Building a secure retirement fund

  • Investing capital for growth or increasing income

  • Identifying the most effective tax efficient investment vehicles

  • Planning for your children's future

  • Moving home or looking to reduce mortgage costs


Preparing your financial report

Having identified your goals and objectives and assessed your financial situation, we will formulate an overall strategy. Your plan will provide clearly identified recommendations relating to your goals and objectives.
Implementing your financial plan.
Once you have agreed to the financial plan recommended we can implement it on your behalf, or assist you through the process.
This may involve completion of all necessary documentation required to get your plan up and running.

Reviewing your plan.

This aspect of the plan is vital to ensure your plan stays on track and relevant to your changing lifestyle. We have 3 levels of service that we will discuss with you at the initial meeting.

Are you ready for your free consultation?

Get all of your questions answered during a free consultation with an independent financial adviser. The initial consultation is free, without obligation.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Services Authority does not regulate taxation advice, will writing, debt consolidation, business risk and some forms of savings and mortgages.

Oyster Independent Financial Advisers Limited's registered address is: Media House 63 Wostenholm Road Nether Edge Sheffield S7 1LE. Registered in England: 583115

Oyster Independent Financial Advisers Limited is authorised and regulated by the The Financial Services Authority. The Financial Services Authority does not regulate taxation and trust advice and personal finance.

Oyster Independent Financial Advisers Limited is entered in the Financial Services Authority register and the registration number is 453876. www.fsa.gov.uk/register

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There may be a fee for Mortgage advice, the precise amount will depend upon your circumstances but we charge a maximum fee of £395, more typically £195 on top of any commission we may receive.

The tax relief's referred to throughout this Internet site are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer.