Welcome to Fletcher Associates Financial Services

Welcome to Fletcher Associates Financial Services Limited

COMMITMENT TO INDEPENDENT ADVICE

Fletcher Associates is a privately owned independent practice offering financial planning advice of the highest quality.

We are a firm of Independent Financial Advisers (IFA’s) based in Ripon, North Yorkshire. We provide advice to both individuals and companies on all aspects of financial planning, through a long term approach of fully understanding our clients' needs, wants and aspirations and then prioritising objectives.

Fletcher Associates was formed by Carl Fletcher

Carl is fully authorised, and qualified to provide truly independent financial advice; he is a member of Chartered Insurance Institute and The Personal Finance Society. Prior to becoming a directly authorised Independent Financial Adviser in 2006 he was a partner with St.James’s Place Wealth Management and prior to this held senior management positions in various parts of the country with a national life assurance company.

This has provided him with over thirty years experience in the financial services industry. Carl has also gained the Chartered Institute of Insurers Certificate in Equity Release to help provide solutions around Home Equity Release planning.

Jade Fletcher joined Fletcher Associates Financial Services Limited in January 2006 having over 3 years experience managing estate agencies both here and abroad. She is studying for her Diploma in Financial Planning. Jade provides administration support and is committed to providing a high quality of service to clients.

Our business is dedicated to providing quality Independent Financial Advice, across a broad spectrum of individual interests from across the entire marketplace. These range from mortgage and protection arrangements, through to individually tailored investments, retirement and wealth preservation solutions.

Client loyalty is the foundation of our practice and we recognise the importance of our existing clients support. Once we have gained this support, we work hard to maintain it by providing a highly personal and professional service. We find that this not only helps to meet the needs of our clients, but also provides reassurance to our various professional introducers, with whom we work closely.

Contact us on 01423 224240

**FIRST TIME BUYERS GUIDE NOW ADDED TO OUR LIBRARY**

Carl Fletcher believes that the best financial advice is independent advice.

I recommend products and services offered by leading companies in every field - without bias. My loyalties are to my clients.

Great emphasis is placed on professional competence and integrity. I am required to sit professional examinations and undergo continuous training to keep abreast of latest developments in the financial services industry.

You probably find, like many people, that in your business and private life you seldom find time to examine your financial affairs in depth. You become preoccupied with the day-to-day running of your lives

You may find it hard to keep the whole of your financial picture in view. Like a jigsaw puzzle, the more pieces you have, the harder it is to see where you are. From taxes to investments, from life assurance to pensions, you may currently have several advisers whom you consult on fragmented areas of your financial life.

Even when your responsibilities reduce, i.e., at retirement, the need for financial planning does not go away.

Fletcher Associates is committed to providing professional and independent advice and maintain impartiality by not being backed or supported by outside institutions.

TESTIMONIALS

I write to thank you for organising and arranging the setting up of our Wills and Trusts under the St James’s Place Trust and Estate Planning Service, Estate Protection Scheme Version 2.

This was a complicated and extensive process but at no time was there any doubt or misunderstanding on our part as you kept us fully informed and responded very promptly with clear expectations to our many queries.

We will have no hesitation in recommending you to any of our friends and associates

W A & A E Hetherington

I am writing to thank you for the excellent service which I received. I had thought that my mortgage arrangements were satisfactory. Your research, expertise and in depth knowledge of their highly complex arena demonstrated that I could effect a substantial saving without enduring any unreasonable costs.

It was quite evident that you have expertise in this field. Your explanations were clear and you were always able to answer all our questions and offer various options for our consideration.

I would have no hesitation in recommending you and indeed I would urge everyone to review their mortgage arrangements as they may well discover as we did that there are considerable savings to be made.

D Fairfax S.R.N., R.M.N., Dip. Hom., RsHom

Our first meeting with Carl was around 2000, we were looking for a better mortgage deal.

We were immediately impressed by his thorough professionalism and knowledge of the products on offer, and were delighted to receive a much more competitive quote.

From that point we have used Carl for every financial matter and indeed so have friends and family members on my recommendation.

The service he has provided us with has never been less than excellent, we trust him implicitly and would never consider looking anywhere else for advice.

R & G Mallender

The service you provided was truly exceptional. You dealt with me promptly and efficiently. Without doubt your utmost priority in client care and satisfaction was reflected in the first class service you delivered.

There are only words of praise for such a genuine and outstanding individual.

N Ali

Carl has helped me with financial issues for some six years. I will continue to use his knowledge and expertise because I have always found him to be professional. By professional I mean he has the ability to explain his products and services in a way that can be understood, he is timely with the information requested of him and above all else he is honest, so I know I am always getting the best service and products available.

S E Young

We want to thank you for the professional and efficient way you have handled everything we have asked you to do for us and all the help and very good advice we always receive form you.

We first consulted you because you came so highly recommended by our eldest son. He had taken a mortgage out at the same time as we had, when we bought our first house after living in RAF married quarters. The three of us were very worried that we had originally not been given very good advice about going for an endowment mortgage, fearing we would have a big deficit at the end of the 25 years. Richard consulted you and was so thrilled with the mortgage you got him and he was even saving a lot of money with his repayments.

He suggested we give you a call, but I did not think you would come all this way to see us, but of course you did. We also got an excellent repayment mortgage from you and saved money on our repayments.

When we made the decision to go and buy a property in Spain so we could move out there permanently, the first person we needed to talk to was you of course. We feel you have helped make our dream a reality by sorting out how we could fund this massive venture. Because we bought off plan, we had to put 10% down immediately and then a month later another 40% of the total price. We were both amazed at how quickly and efficiently you sorted this all out and making sure the money was in our bank in time.

If we could give one piece of advice to anyone seeking a mortgage, pension or any sort of financial advice they must give you a call because as the song says,

“YOU’RE SIMPLY THE BEST, BETTER THAN ALL THE REST.”

Although I come form an advertising background, I still believe the finest form of advertising is word of mouth, which is why Rick and I have always recommended you to everyone.

We have sold our bungalow and are hoping top move to Spain very soon. We really cannot thank you enough for helping to make all this possible.

R & N Little