Andrea Cloughley
Palatine Financial Planning Ltd
Minimum savings/pensions: Any amount
Minimum mortgage: Any amount
0121 659 8159
Based in Cannock
View locationChecks carried out by VouchedFor
FCA Regulated
Andrea and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 21 April 2025
Andrea and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
1
Recent Client Reviews
Andrea has received 1 client review in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Andrea has received 1 client review in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 10 July 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
2
Qualifications Uploaded
Andrea has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Andrea has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Andrea has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Andrea has provided information on their typical fees
Andrea has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Andrea (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Andrea
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Andrea (based on 3 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Andrea and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 21 April 2025
Andrea and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
1
Recent Client Reviews
Andrea has received 1 client review in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Andrea has received 1 client review in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
Last checked: 10 July 2024
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
2
Qualifications Uploaded
Andrea has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Andrea has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Andrea has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Andrea has provided information on their typical fees
Andrea has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
3
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Andrea (based on 3 first impressions)
100% of users who are not yet clients had a positive first experience with Andrea
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Andrea (based on 3 first impressions)
At Palatine Financial Planning Ltd we provide holistic financial planning advice to individuals, business owners; also offering a tailored solution for NHS professionals, we do this by focussing on:- - Building long-term relationships - Ensuring clients are adequately protected - Work with our clients to help build and enhance their wealth - Highlighting any shortfalls or financial risks and; - Where risk is taken, that it is within a range comfortable to you. Supporting our advice, St. James’s Place Wealth Management has over 100 in-house experts covering all aspects of wealth management, which include, pensions and retirement planning, investment planning, inheritance tax/estate planning, tax advice and protection. St James’s Place also work in conjunction with numerous other specialists such as Accountants and Solicitors, that are often needed and sometimes already support a client’s overall financial planning structure. Our clients include: - Individuals planning for retirement. - Individuals investing towards their medium and long term goals. - Individuals who want to protect what is important to them. - Business owners/Entrepreneurs - NHS Professionals - Families with complex estate planning needs Your home or other property may be repossessed if you do not keep up repayments on your mortgage. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. Auto-Enrolment products are not regulated by the Financial Conduct Authority. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved xx/xx/xxxx
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Andrea's clients
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Adviser Disclaimer
Palatine Financial Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives. Taxation rules can change at any time and dare dependant on individual circumstances. The value of your investment can go down as well as up. You could get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage.