tFrequently Asked Questions

Why do I need an Independent Adviser?

The financial market is a complex one, with many products and services available to you. We can help you navigate that complexity and make the complex simpler.

Providers are mostly restricted which means they can only offer you what they have on their platform, which may not be the best solution for you. As an Independent Adviser, we have access to all products and services across the whole industry and can choose the solution that best fits your objectives.

Any advice given by us is subject to the protection offered by the Financial Services Compensation Scheme and the free service of the Financial Ombudsman Scheme. This is not true of all other areas where customers may obtain financial services; in particular products and services bought directly on the internet in many cases may offer no protection whatsoever.

We take the time to get to know you, understand your situation and take a holistic long term view to support you going forwards and achieving your objectives.

How much does it cost?

It is impossible to answer this question as it depends on what work we undertake on your behalf. We have different cost structures based on the specifics of your requirements. We also make sure to agree costs with you upfront, before any work is started.

I’m young – what advantage is there in thinking about my finances now?

We never know how life is going to unfold. Creating a healthy financial foundation, early in your lifetime, provides peace of mind and prepares you for unexpected situations. Learning how to manage your money and make it work for you can help you fulfil your dreams. Retirement may seem a long way away, but a small pension started in your twenties can provide great freedom in your later years.

I’m uncomfortable talking about my finances – how can you help?

We understand hat it can be challenging talking about your finances. If you prefer to talk to a specific person, we will make sure that happens. Any conversation with you is strictly confidential and will not be disclosed to any third party, including anyone in your family. Whatever your circumstances, we are here to help demystify the financial market place and create a sound financial foundation for you. We make no judgements and treat everyone with respect.

What is my first step?

Give us a call to discuss what you are looking for. We will then arrange a meeting either in person or via video link to gather information about what you need. Click here for full details of the process.

Do I have to take your advice?

Our recommendations are based on understanding your objectives and matching them to an appropriate solution in the market place. Ultimately you have the choice whether to follow those recommendations or not. You are free to stop the process at any time.

However please note: we will not implement any instruction which in our opinion is contrary to your best interests, even if you insist.

Are there contractual ties?

Boyett Mayes & Associates do not place any obstruction, penalty or contractual obligation on you to stay with us. We want you to stay because you value the service we provide to you.

What if I am unhappy with the advice you give?

In the first instance we recommend you pick up the phone to us with your concern and we will talk it through with you. If you are still unhappy, then you can formally complain to us and we will respond in line with regulatory requirements. If you are not satisfied with our response, you can escalate it to the Financial Services Ombudsman Scheme (F)S) which may be able to assist you.

Please note: The value of your investments can go down as well as up. Complaints about poor performance of any investments are not grounds for a complaint.