Mike Rafter

With highly regarded Dip PFS CII (pensions & investments) CeMAP qualifications and over 36 years of experience helping small businesses, individuals, and families reach their financial goals, I can provide a wealth of knowledge and expertise. I also work alongside 11 accountancy firms, and 2 law firms, advising their clients on tax, Inheritance Tax avoidance/planning, pension, and investment planning. Recognising that everyone’s situation is unique, I will take the time to get to know you and what’s important. And, through the use of award-winning technology, I can provide straightforward and transparent advice simply and conveniently. As a result, you will be better informed, confident, and empowered to reach your financial goals. I will make no compromise. My fees will vary from client to client, based on each client's individual needs. For an accurate estimate of any costs involved, don't hesitate to get in touch with me to explain your circumstances and what you are looking for advice on. To give you some general guidance, for Investment and Pension advice, advisers usually charge a percentage of any amount you invest or transfer through them. This amount would typically vary between 1% and 4% of the amount invested, depending on the amount. Should you wish to receive regular advice from the adviser, there may be an additional annual charge, usually between 0.5% and 1% p.a. Some advisers will instead offer to work for either an hourly fee or a fixed fee, or some combination of the above. Any charges would be agreed with you upfront and only applied with your explicit consent. The payments would typically be deducted from your investment or pension pot. Since 2012, it has been prohibited for advisers to receive commissions from any investment or pension companies when recommending their products or funds - they are paid only by you, the client.