FAQs

At our office or your home

Yes, we have parking

All initial meetings are at our expense

Initial meetings will last around one hour

There is no obligation what so ever to sign up to our services at initial meeting

You can book an initial meeting via Phone or email

Yes, we are an independent firm

Yes, we are regulated by the FCA

If your financial planner is away, another planner within the firm can help you during their absence.

We offer fully individually tailored holistic financial planning

Yes, we provide independent financial advice, which means we can consider products from across the market. We recommend solutions based on your goals and circumstances and explain the reasons behind our advice in plain English.

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA). Our FCA firm reference number is 941825, which you can use to check our entry on the FCA Register.

Yes, you can meet us in person or on a video call. We will agree the format with you based on what is most convenient.

Face-to-face meetings can be held at our office in Holcot, Northampton, or at another agreed location. We will confirm the meeting location and any access arrangements in advance.

Yes, we have seven parking spaces available at our office. We will let you know where to park when your meeting is arranged.

Insight Wealth has been providing financial advice since 1 April 2021. We will explain how our advice process works and what support you can expect, based on what you need.

We are based in Holcot, Northampton. We mainly work with clients across Northamptonshire, Bedfordshire, Buckinghamshire, Warwickshire, and Leicestershire, and we can also meet by video call where needed.

All of our financial planners hold certification with the Chartered Insurance Institute (CII). This reflects recognised professional standards in financial planning.

No, we do not currently hold Chartered firm status with the Chartered Insurance Institute (CII). We are an associate firm of the Personal Finance Society.

No, we do not hold Accredited Financial Planning Firm status with the Chartered Institute for Securities & Investment (CISI). We focus on delivering advice through our FCA-regulated, independent service and our advisers’ professional qualifications.

Yes, you can view client reviews and testimonials on our website. They give an insight into what it is like to work with us and the service standards we aim for.

We are independent and put a strong focus on service and client satisfaction. We also run a charitable incentive scheme supporting the Hope Centre in Northampton. We take care to explain your options in plain English, so you understand the decisions you are making.

Our FCA firm reference number is 941825. You can use this number to check our authorisation on the FCA Register.

We work with clients in Northampton and across Northamptonshire, as well as Bedford and Milton Keynes. We can meet face to face or by video call, depending on what works best for you.

You can arrange an initial meeting through our website, by telephone, or by email. We will confirm a suitable time and whether you would prefer to meet in person or by video call.

No, the initial discovery meeting is held at our expense. It is a chance to discuss what you want to achieve and decide whether our approach is a good fit.

Bring any relevant financial documents, such as pension and investment statements, and details of your income and outgoings. It also helps to come with a clear idea of your goals and any questions you want to explore.

In the first meeting we focus on getting to know you and whether we are the right fit for each other. We will gather information about your personal and financial situation so we can start building a clear picture of where you are now and what you want to achieve.

An initial meeting typically takes around an hour. We aim to cover your goals and questions thoroughly within that time.

No, there is no obligation to proceed after the initial meeting. If you decide to go ahead, we will explain the next steps and any fees before you commit.

At the moment we do not have a female financial adviser in the firm. If this is important to you, we can discuss your preferences openly when deciding whether our approach is right for you.

If your financial planner is away, another planner within the firm can help you during their absence. We aim to make handovers straightforward, so you are not left waiting for support.

How often you hear from us depends on the ongoing service level you choose. As a minimum, we will review things with you at least once a year, and more frequently if your plan needs it.

Yes, we provide cashflow forecasting where it is useful. We use it to help you understand how your income, spending, and savings might support your long-term goals.

If your circumstances change, we will review your situation and update your plan. The aim is to keep you on track against the goals and objectives we agreed with you.

Yes, we can work alongside your accountant or solicitor. We will only share information with them when you have given us your permission.

Yes, we can coordinate with your mortgage adviser if they need information from us. We will do this only with your permission and with your interests in mind.

If your adviser leaves the firm, another adviser can take over your financial planning. We will make sure your plan and records are handed over so the service continues smoothly.

Yes, we can show you an example of what a financial plan looks like. Any example we share will be for illustration and will not include another client’s personal details.

Yes, most of the providers we use offer online access so you can view your investment values. Online valuations can move daily with markets, so they are indicative and investments can go down as well as up.

Yes, we provide a dedicated client portal for Insight Wealth clients. Values for the majority of products are updated daily, giving you a convenient snapshot alongside provider access.

Meetings are based on the service level you subscribe to, with at least an annual review. We can meet face to face, by video call or by telephone, depending on what works best.

No, we do not provide mortgage advice. We can coordinate with your mortgage adviser if you want us to share information as part of your wider planning.

No, we do not advise on equity release. We can still help you with retirement and later-life planning more broadly.

Yes, we advise on personal pensions. Pension values can fall as well as rise, and we will explain the risks alongside the potential benefits.

No, we do not provide advice on occupational pensions. We can still help you plan around your pension options, focusing on the areas where we can advise.

Yes, pension consolidation is one of our specialist areas. We assess the benefits, costs, and any guarantees you might lose before making a recommendation. Pension transfers are not right for everyone, and we will explain the risks clearly.

Yes, we can help you plan how to take pension benefits in a tax-efficient way. Tax rules are complex, depend on your circumstances, and can change, so we will explain the options and trade-offs before you decide.

Yes, we can help you invest in line with ethical or sustainability preferences. We will discuss what matters to you and look for suitable options, noting that investments can go down as well as up.

Yes, we can help you invest an inheritance in a way that aligns with your goals and time horizon. We will consider how the money fits with your wider finances and remind you that investments can fall as well as rise.

Yes, we advise on Self-Invested Personal Pensions (SIPPs). We will help you choose an appropriate setup and investment approach, and explain the risks involved.

No, we do not advise on final salary or defined benefit pension transfers. These transfers are complex and can involve giving up valuable guarantees, so specialist advice is required.

Yes, we provide advice on long-term care and later-life planning. We help you consider funding options and how decisions may affect your retirement income and estate.

Yes, we can help with inheritance tax and estate planning as part of a wider financial plan. Tax planning depends on individual circumstances and tax rules can change, so we focus on practical options that fit your objectives.

Yes, we advise on investments such as ISAs. We recommend an approach based on your goals and attitude to risk, and investments can go down as well as up.

Yes, we advise on protection such as life insurance, critical illness cover, and income replacement. We help you choose cover that matches your needs and budget, and explain how premiums, exclusions, and underwriting work.

We offer an initial discovery meeting at our expense. It is a chance to talk through your situation and what you want to achieve, without any obligation to proceed.

We charge an initial professional adviser fee for the work involved in giving advice and producing recommendations. You can then choose an ongoing service package, depending on the level of support you want.

Our minimum fee is £750. We will explain what is included before you proceed, so you know what you are paying for.

A financial plan typically costs between £500 and £1,800, depending on complexity and the time involved. We will agree the fee with you in advance once we understand what you need.

We can charge either a fixed fee or a percentage-based fee, depending on what is appropriate and agreed with you. Our costs and charges document sets out how our fees work and what they cover.

We may receive commission on protection business, such as life cover, critical illness cover, and certain business protection policies. For other products, we typically charge an agreed fee, and we will be clear with you about any costs before you proceed.

No, our fees are not subject to VAT. We show fees clearly in pounds and pence, so you know the total cost.

We regularly review our pricing against the wider market. Our view is that our fees are competitive for the work involved and the service you receive.

We are not the cheapest or the most expensive among firms in Northamptonshire and the surrounding area. We focus on delivering clear advice and a service level that represents good value for money.

Our website sets out our fees and includes examples to help you understand typical costs. We can also provide our costs and charges document, which explains how fees are calculated and paid.

We can help you plan towards an earlier retirement using our four-stage advice process. We use cashflow planning and regular reviews to keep your plan aligned to your goals, recognising that investment returns are not guaranteed.

Yes, we help clients plan for retirement and we specialise in retirement planning. We look at your pensions, other assets, and expected spending, and remind you that pensions and investments can go down as well as up.

We work with a wide range of clients, including individuals, companies, and trustees. Many people come to us to invest for the future, plan for retirement, or manage their finances in retirement.

Yes, we can work with younger clients who are still building wealth. We focus on practical financial planning and long-term investing, with clear explanations of risk and priorities.

Yes, we work with company directors and self-employed clients. We can help you coordinate pensions, investments, and protection in a way that fits your income patterns and business goals.

Yes, we work with clients who are approaching retirement and those who are already retired. We help you plan income, manage tax considerations, and keep arrangements under review as your needs change.

Yes, we can help if you have inherited money. We will look at how the money fits with your goals and any tax considerations, and we will explain that investments can go down as well as up.

Yes, we can help if you have sold a business or are preparing to sell one. We can help you plan what to do with the proceeds, including retirement and investment planning, while keeping risk and tax considerations in mind.

Yes, we can help you manage your finances after a bereavement. We can support you in understanding your options and putting a clear plan in place at a pace that suits you.

Yes, we often work with business owners, retirees, and professionals. Our advice is tailored around your goals, with a focus on pensions, investments, and protection where appropriate.

No, we do not provide financial advice for expats or non-UK residents. Our service is designed for UK-based clients.

Yes, we can help if you already have investments or pensions elsewhere. We will review what you have, check costs and features, and then advise on whether to keep, change, or consolidate. Transfers are not always suitable, and investments can go down as well as up.

We typically look to work with clients who have around £150,000 or more of investable assets. If you are below that level, we may still be able to offer some initial guidance and financial pointers, depending on what you need.

Many of the investment and pension products we recommend are covered by the Financial Services Compensation Scheme (FSCS), but protection depends on the type of product and the circumstances. We will explain what protection applies to your arrangements before you invest.

If you have a concern, your first step is to raise it with us so we can investigate and respond. If you are not satisfied with the outcome, you can take your complaint to the Financial Ombudsman Service.

We store your personal data on encrypted servers and restrict access to authorised staff. We handle information in line with our regulatory and legal obligations.

Yes, we hold appropriate professional indemnity insurance for providing financial advice. As an FCA-regulated firm, we maintain the protections and standards required to advise clients.

You can check our authorisation on the FCA Register using our firm reference number 941825. The register shows our regulatory permissions and contact details as recorded by the FCA.

Yes, you can read client stories and testimonials on our website and on VouchedFor. These examples are intended to give a sense of our service and approach, rather than to predict future outcomes.

We run client surveys to measure satisfaction and identify areas to improve. Where appropriate, we share headline results on our website.

We have won a Best Practice Adviser Award for a UK adviser firm established under three years. We have also been shortlisted for a MoneyAge Award in the best micro firm category.

Yes, our firm and our advisers have been Top Rated on VouchedFor for the last three years. You can view our profile there to see verified client feedback.