About Us

HISTORY

FINANCIAL Ltd's birthday is 15th February. When the first member of the Hybrid-Network signed his forms on that day in 2002 he explained his simple need to founder Charlie Palmer: He wanted to exit his current IFA firm and get up and running as an independent quickly, then, with resources but no time pressure Financial would be able to help him apply directly to the FSA for a licence.

Several IFA firms joined and then, the defining moment of our Network approached... All our members began to ring up to chase their commission. We realised then that the only way forward was to work on fees only and get the IFA commissions paid direct to the member. We soon realised that we had invented the UK's first and only HYBRID Network, and in late 2008 we realised that our proposition was transforming an industry struggling to cope with regulation introducing a change from a commission to a fee based model too.

PHILOSOPHY

Our motto is Humility, Integrity and Discipline, this guides us in the provision of compliance support and the necessary FSA regulatory licenses that advisers need in order to comply with the Financial Services and Markets Act 2000.

Financial Planning is the longest term business of all. We invest people's money in pension schemes and investments for years and years. We believe this long term commitment should apply to our service to financial advisers.

Everybody needs a financial adviser and in the absence of any serious mistakes we would expect firms to advise a client throughout his or her life and then deal with their children and so on. This is the longest term business of all and trust is the key ingredient - it takes years to build and minutes to lose and is the key to financial planning.

TCF

TCF is a fundamental part of how Financial operates in today´s financial services environment. It is a philosophy to ensure the best practice is always followed and systems are revised and reviewed to check, maintain and improve this. It is also a system to help firms avoid costly and damaging complaints.

Our TCF policy:

  • Give the Customer what they have paid for
  • Do not take advantage of the Customer
  • Offer the Customer the most suitable product you can
  • Do your best to resolve mistakes as quickly as possible
  • Show flexibility, empathy and consideration towards Customers
  • Exhibit clarity in all Customer dealings