I am an independent financial adviser providing a comprehensive range of services for business and individuals. I specialise in corporate and personal financial planning, pension, investments and protection. This includes requirements for employee benefits for all size companies.

As a partner of Foster Denovo I am able to give independent financial advice, with the only bias being the interest of my Clients. The service is totally confidential, and underpinned by a strong set of corporate values.

Foster Denovo have built a reputation for professionalism and integrity. The majority of our clients come to us either by recommendation from existing clients, or by referral through third-party professionals. The company has been in existence since 2005 and continues to meet the demands of our clients whilst maintaining our principles.

As a holistic financial planner I am able to advise on all area’s of your financial life, TAKING A macro view on your circumstances and deal with your over all aims and objectives rather than just concentrating on a specific area. My aim is to advise and enable you to make informed financial planning and implementation decisions, keeping the process as straightforward as possible, without confusing jargon. I pride myself on giving clear and understandable advice even in complicated circumstances and always doing what is best for you.

The ever changing economy is only matched by the ever changing circumstances within people’s personal and professional lives and I believe it is essential that people review their financial planning on at least an annual basis with the aim of making sure aims and goals are met. I see establishing a long-term relationship with clients helps to achieve the goals of my client’s reality.

How We Work

The initial consultation is offered without cost or obligation. I will spend up to two hours with you in order to gather background information and establish your immediate and long-term objectives. This will form the basis of my subsequent recommendations.

If appropriate we will work in conjunction with your other professional advisers (accountants and solicitors) to make sure your personal and business financial planning needs are met.

Before implementing an agreed course of action, we also agree your preferred method of payment for our services. This can be commission-based, where we are paid by the product provider. Or you can pay us direct on a fee basis.

Both payment methods will be fully explained to you. If you opt for a fee-based service, we will issue a Letter of Engagement detailing the work involved and the associated cost. If you opt for commission-based service, we will provide you with the appropriate quotations which will include the amount of commission due.

Michael Hayes Cert PFS
Independent Financial Advisor
Partner

Foster Denovo Ltd.

M: 07882 442 806
T: 01932 870 737
F: 0207 398 8850
E: michael.hayes@clearfinancialadvice.co.uk
W: www.clearfinancialadvice.co.uk