Working With You

In line with our fair and simple philosophy, we have designed our charging structure to make doing business with us straightforward.  Like any business we need to charge for our services in a manner that you understand and feel comfortable with.

The future strength of our business lies in the trust and integrity that we establish with our clients.  All the work we undertake will be discussed in advance and the way in which we will make a charge will form part of that discussion.

Making Payment

In simple terms, there are effectively two options available to you.  Firstly, we can invoice you directly for the work we undertake, which you pay out of your net income.
Alternatively, we can arrange for our charges to form part of the cost structure of your ongoing policies.

We do not believe large up-front commissions make for a robust business plan and we do not intend for that to change.

Adding Value

Our aim is to add value by negotiating a fair cost structure across your existing policies, together with any changes we effect.

The scope of our business is wide ranging and encompasses an array of areas, such as pensions, investments, mortgages and so on.  Each area requires differing levels of work, skill and expertise.  To make our practices fair, we make bespoke charges based on the type of work we are conducting and the potential long-term involvement, which promotes a fairer system for our clients.

Further Information

Our Customer Agreement and Key Facts about our Services provide formalised statements of the way in which we conduct business and how we make charges.  These are available on request

Building Investment Portfolios

There are a number of systems and controls we employ when building portfolios and implementing the advice.  We have designed our advice structures to help our clients protect and build their assets and make the most of their investments to secure their own long-term objectives.

The complexity inherent in financial planning has become so bewildering that many people simply do not know where to turn.  The following appendices outlines some of the expertise and skills we employ to deliver our service.

Defining Your Investment Risk Profile

We help clients to understand the risk associated with any investment they may consider.  To make sure we create an environment of understanding and two-way dialogue, we have created a detailed Attitude to Risk questionnaire, which consists of 10 questions, each of which help us build a sensible profile.  This can form part of our annual reviews to take into account any changes to our clients personal or moral investment objectives.

From the start of our professional relationship, clients can be confident that our investment recommendations are based on a bespoke agreed level of expectations both now and for the future


Managing your expectations is only possible with an open and frank dialogue.  We maintain a very robust review system, which is designed to remove hope and fear to replace them with knowing.

We utilise a number of systems to monitor our recommended investment strategies on a consistent basis.  Every client can be sure that once in our system, their investments will have the backing of the following systems

Investment Fund Analysis

We have invested in leading software tools to provide guidance and structure to your investments. These tools create a robust and structured approach that is reviewable and consistent across all of your financial goals in terms of;

Investment risk and portfolio risk

Understanding your actual and percieved capacity for loss

Determine the best points in time to conduct reviews with you in terms of taxation, life changes and personal financial goals

Choosing the Right Product and Policies

Your Current Policies

There are a number of reasons to interrogate your existing policies of all types, the main points belowgive us the ability to provide you with a fair comparison of what you have now and where the current market place is;


There can be a number of costs and charges associated with investment products and insurance policies.

We invest in robust and independent research tools to collect data from the various market places and guide us in the policy choices we make.  Each research tool takes account of costs, charges, access to investment opportunities and ease of end user access

Pension Products:

When advising on the more complex Pension Market Place, we have to determine not only costs, charges and investment fund access, we also need to consider how you wish to build your pension and what functionality you may require in the building years and also the income years.

At retirement policies can be very different to the ones you utilised to build your pension fund

How you wish to take your retirement income and how to correlate your tax position is a key part of retirement planning and if your policies do not function correctly, nor will your retirement
Our pension research system provides an innovative and comprehensive comparison of the pension policies within the market and at the same time compares any old or paid-up policies you might have, taking into account pre and post retirement functionality

We retain a very detailed report, which outlines in graph form just where your existing planning sits and if relevant, where changes need to be considered.

Life Assurance and Critical Illness

This type of product is initially driven by your available budget, as most policies trade on cost comparison.

However, we have found that as the market place has become more complex, your needs and advances in medical science, are not met by cheaper or older policies

There are many companies providing much wider and varied types of cover, often insuring against conditions not previously survivable.

Wellness and maintaining your fitness and actually helping you keep fit and healthy now feature in many policies, with discounted gym memberships, discounts on healthy living (bikes, fitbits), together with lifestyle discounts at spa’s and travel

Keeping your old policies up to date with your needs is vital and whether we are starting from scratch or reviewing existing cover, our systems will create the most cost effective cover within the right policies

Committed to treating our customers fairly’

At Aspen Financial Services Limited, we are committed to offering our customers the highest possible standards of service.  In so doing we are pleased to support the Financial Services Authority initiative ‘Treating Customers Fairly’.

We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealings with you.

Our commitment to you

We will:

  • provide you with clear information about the products and service we offer, including fees and charges
  • ascertain your individual needs, preferences and circumstances before recommending a mortgage
  • only recommend a mortgage that we consider suitable for you and that you can afford – and always the most suitable from the available options
  • not recommend a mortgage if we can’t find one we consider suitable
  • encourage you to ask if there’s something you don’t understand
  • give you access to a formal complaints procedure should you become unhappy with our service

How you can help us

To help us give you the most appropriate advice, we will ask you to:

  • tell us as much as possible about your income and outgoings, to enable us to properly assess how much you can afford
  • let us know about changes that might affect your ability to repay a mortgage
  • let us know if there is any aspect of our service, or of a product we have discussed or recommended that you don’t understand
  • tell us if you think there are ways we can improve our service
  • Our News