FAQs

Yes, we provide independent financial advice. Our advice is unbiased and unrestricted, helping you make informed decisions about your financial future.

Yes, Positive Wealth Creation Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 481182, and you can check our details on the FCA register.

Yes, you can choose whether you would prefer to meet us face to face or by video call. We want you to meet us in the way that works best for you.

We can meet you at our office at 55 Victoria Street, Burnham-on-Sea, TA8 1AW. Alternatively, we can arrange to meet you at your home.

No, we do not have parking at our office. The nearest council-run public parking is at Oxford Street Car Park, TA8 1EL, which is around a five- to seven-minute walk from our office. If visiting us is not convenient, we can also meet you at your home or arrange a video call.

We have been providing financial advice through Positive Wealth Creation since 2004. Our owners have been providing financial advice for even longer.

We are based in Burnham-on-Sea, Somerset. We work with clients across the West Country, the South Coast, London and further afield.

Two of our financial planners are Chartered. You can find out more about them on our Meet the team page and learn about the people who will support you.

Yes, we hold corporate Chartered Financial Planner status awarded by the Chartered Insurance Institute (CII). You can read more about our Chartered status and what it means for the people we work with.

No, we do not hold Accredited status awarded by the Chartered Institute for Securities & Investment (CISI). We do hold corporate Chartered Financial Planner status awarded by the Chartered Insurance Institute (CII).

Yes, you can read reviews of us on VouchedFor and Google. We also share video testimonials on our Client stories page so you can hear directly from people who have worked with us.

We do not simply recommend financial products. We help you understand your options, make informed decisions and build a financial plan that supports the life you want to live, and you can discover more on our Why choose us page about how we work.

Our Financial Conduct Authority firm reference number is 481182. You can use this number to check our details on the FCA register.

Our key areas include Burnham-on-Sea, the wider Somerset area and Bristol. We also work with clients outside our local area.

No, we do not provide mortgage advice. Mortgages are not an area on which we advise.

No, we do not provide advice on equity release. This is not an area covered by our advice service.

Yes, we can advise you on personal pensions. We can consider your pension arrangements as part of your wider financial planning needs.

Yes, we can advise on occupational pensions. However, we cannot assist you with transferring out of a defined benefit or final salary scheme.

Yes, we can help you consider consolidating multiple pensions. However, we cannot assist you with transferring out of a defined benefit or final salary scheme.

Yes, we can help you plan how to take money from your pension tax-efficiently. We can consider this alongside your wider retirement objectives.

Yes, we can help if ethical or sustainable investing is important to you. We can take your preferences into account when discussing your investment options.

Yes, we can help you consider how to invest an inheritance you have received. Our building wealth page explains more about how we support people following an inheritance or other cash influx.

Yes, we can advise on self-invested personal pensions (SIPPs). We can consider them as part of your wider pension and financial planning needs.

No, we cannot advise you on transferring out of a final salary or defined benefit pension scheme. This is not an area of advice that we provide.

Yes, we can advise on long-term care and later-life planning. We can discuss these needs as part of your wider financial planning.

Yes, we can help with Inheritance Tax planning and estate planning. We can consider these areas as part of your wider financial plans.

Yes, we can advise on investments including ISAs. We can consider these alongside your wider investment and financial planning needs.

Yes, we can advise on protection including life insurance, critical illness cover and income replacement. We can help you consider the protection that forms part of your wider financial arrangements.

Yes, there is no charge for your initial meeting with us. It typically lasts between 30 and 45 minutes and is held at our expense. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Our standard minimum initial planning fee is £2,000, while the arrangement of investments and ongoing reviews are typically charged as a percentage. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Our standard minimum initial planning fee is £2,000, and our minimum annual fee is £750. The fee you pay will depend on the work involved and will be confirmed to you. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Our standard minimum initial planning fee is £2,000. The actual fee can vary depending on the complexity of the work involved and your circumstances. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Our standard minimum initial planning fee is £2,000. The arrangement of investments and ongoing reviews are typically charged as a percentage. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

We may receive commission from protection providers. If commission is payable to us, we will disclose this to you. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Where we arrange, or intend to arrange, a regulated financial product, our service is generally exempt from VAT. We will confirm the position with you as part of explaining the fees for your work. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

We publish our costs so you can compare them with those charged by other financial planners. You can review the figures on our fees page before deciding whether our service represents value for you. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

Our fees reflect the work involved and the level of ongoing service you choose. Because our costs are published on our fees page, you can compare them with other financial planners before making your decision. We believe in being open about our fees from the outset, so you can understand the likely cost of working with us before making any decisions. Our fees page sets out our charges clearly, helping you decide whether our service feels right for you.

You can find details of our charges on our fees page, where we publish our costs clearly. This allows you to review them before deciding whether to work with us.

We can explain that protection from the Financial Services Compensation Scheme (FSCS) depends on the type of product and provider. This means the protection available can vary between different arrangements.

You can make a complaint directly to us, and we will investigate it and aim to put things right. If we cannot resolve your complaint, or you are not satisfied with our response, you may be able to refer the matter to the Financial Ombudsman Service for further consideration.

We use secure and encrypted IT systems and follow the requirements of GDPR. Our Privacy Policy explains how we handle and protect your personal information in more detail.

Yes, we maintain £2 million of Professional Indemnity Insurance. This insurance covers our work as a financial advice firm.

Our Financial Conduct Authority firm reference number is 481182. You can use it to verify our registration on the FCA register and check our regulatory details.

Yes, we share client videos on our website. You can visit our Client stories page to hear directly from people who have worked with us.

We regularly ask clients for feedback through surveys provided by VouchedFor, where we currently have more than 250 reviews. We use that feedback to understand your experience and improve how we work.

Yes, our recognition includes our annually renewed corporate Chartered Financial Planner status and our inclusion as a VouchedFor Top Rated Firm since 2024, while our financial planners have also received several awards over the years. You can see the recognition we have received on our Awards and prizes page and learn more about our credentials.

Yes, we are featured on VouchedFor, where you can view more than 250 verified reviews from our clients. If those reviews leave you wanting to learn more, you can use our Contact us page to arrange an initial conversation with us.

Yes, we can help you explore whether retiring early could be viable. We use cashflow modelling to assess your position and help you understand whether your plans are achievable.

Yes, we can build a financial plan around what you want to achieve in retirement. You can find out more about how we support people on our approaching retirement page before speaking to us.

We work with people who are building wealth, approaching retirement and already retired. Our clients include members of our local community, business owners and leaders of national organisations.

Yes, we can work with younger clients who are still building wealth where we believe we can provide value for money. We particularly enjoy working with relatives of existing clients.

Yes, we work with company directors and self-employed clients. We can help both groups with their financial planning needs.

Yes, we work with people who are approaching retirement as well as those who have already retired. We help clients move from working life into retirement and continue planning beyond that point.

Yes, we can help you if you have inherited money, including considering how it could be invested. You can read more on our building wealth page about the support we offer following an inheritance.

Yes, we work with clients who are selling a business or have already completed a sale, often alongside other professionals. We can help you plan what comes next.

Yes, we can support you with the practical financial steps that follow a bereavement. We understand this can be a difficult time, so we will approach those conversations calmly and sensitively.

Yes, we work with business owners, professionals and people who are approaching or already in retirement. Our What we do for pages explain more about some of the people we support.

No, we advise UK residents only. We do not provide financial advice to non-UK residents.

Yes, we can review investments and pensions that you already hold elsewhere. We can assess whether your existing arrangements remain appropriate for you.

What matters to us is whether the fees you pay will provide value for money. Typically, we are a good fit if you have investments and pensions worth more than £150,000.

You can book an initial meeting by calling our office on 01278 788646 and choosing option 0, or by emailing us. You can also use the form on our Contact us page to start the conversation with us.

No, your initial meeting is at our expense and typically lasts between 30 and 45 minutes. There is no obligation to sign up to our services afterwards.

A snapshot of your assets, liabilities, income and expenditure is welcome. This will help us understand your current financial position as we start getting to know you.

As well as introducing ourselves, we will talk about your aims and objectives, what is important to you and how we may be able to help. You can read more about this first stage on Our approach page before we meet.

You should usually allow between 30 and 45 minutes for your initial meeting with us. This gives us time to introduce ourselves and discuss what you want to achieve.

No, there is no obligation to sign up to our services during or immediately after your initial meeting. We encourage you to take the time you need to decide whether you will get value from a future relationship with us.

Yes, you can work with Jenni Turco or Sioned James. You can learn more about Jenni, Sioned and the wider team on our Meet the team page before getting in touch.

If your financial planner is away, our wider team will still be available to help with urgent queries. This means you will have someone you can contact when something needs prompt attention.

The frequency of contact with your financial planner will depend on the ongoing service you purchase. In addition, you will receive our monthly email newsletter.

Yes, we offer cashflow planning as part of our financial planning service where appropriate. You can see where cashflow modelling fits into Our approach to building your financial plan.

If your circumstances change, please get in touch with us to talk through what has happened. We can then discuss your situation with you.

Yes, we can work alongside your accountant or solicitor. We will only coordinate with them where you have given us permission to do so.

Yes, we can coordinate with your mortgage adviser when they need relevant information from us. We will only do this with your permission.

If your financial planner leaves Positive Wealth Creation, we will contact you to explain the transitional arrangements. We will make sure you know what happens next.

We do not provide specimen financial plans because every plan we create is tailored to the individual. Your own plan will reflect your circumstances, aims and objectives rather than following a standard template.

Yes, you can view the value of your investments online through our Personal Finance Portal where available. You may also be able to access valuations directly through your investment provider.

Yes, we provide access to our Personal Finance Portal. You can use it to view your investments online where available.

How often you meet with us will depend on the ongoing service you purchase. You can review the different ongoing service options on Our fees page to understand what is available.