Independent financial advice · Fareham
Financial services in Fareham from an independent adviser
Independent financial advice (IFA) from Craig Shilling. When you come to Octo Financial Planning, you deal directly with one adviser from the first conversation onwards. We provide financial services in Fareham and nearby areas across the services listed below, with clear advice shaped around your goals.
Independent financial advice in Fareham
An independent financial adviser, or IFA, can recommend products from a wide range of providers across the market, rather than from a limited panel. That's how we work for investments and pensions, and for mortgages we search the whole market. For protection we look at a range of insurers. Our recommendations are based on a fair analysis of the market for your needs, and we explain them in plain English.
Who this helps
Planning for retirement
You'd like to know where you stand with your pensions and what retirement could look like.
Making the most of savings
You have savings, an inheritance or investments and want a clear plan for them.
Buying, moving or remortgaging
You need a mortgage and someone to guide you through it.
Financial services in Fareham
These are the financial services we provide for people in Fareham and the nearby areas we cover:
- Mortgages: first homes, moving home, remortgages and buy to let, searching the whole market. See mortgage adviser in Fareham.
- Product transfers: when your fixed rate is ending and you want to stay with your lender where that fits. See remortgages and product transfers.
- Pensions: reviewing what you have and planning retirement income. See pension adviser in Fareham.
- Investments: ISAs and other investments matched to your goals and attitude to risk. See investment adviser in Fareham.
- Protection: life cover, critical illness and income protection if illness or loss of income puts plans at risk. See protection.
- Inheritance tax planning: looking at what could be passed on and the options. Costs are agreed with you before any work starts. See inheritance tax planning.
- Business protection: cover and planning for business owners. See business protection.
- Cashflow planning: a picture of your money over time, to test plans such as retiring early. See cashflow planning.
- Buy to let: mortgage advice for landlords, as covered on the mortgage adviser in Fareham page.
Your first meeting is free. If you go ahead, we agree the cost with you in writing before any work starts. See how we charge.
Why people choose a local adviser
- One person, start to finish. You won't be passed around a call centre or a rotating team.
- Face to face if you prefer. We can meet at your home or another place that suits you, or by video.
- Plain English. We explain things clearly and you can ask as many questions as you like.
About Craig
Craig Shilling is an independent financial adviser holding:
- MLIBF: Member of the London Institute of Banking & Finance
- DipFA: the Diploma for Financial Advisers, covering pensions, investments and protection
- CeMAP: the Certificate in Mortgage Advice and Practice
More on About Craig.
How it works
First meeting
A free, no obligation conversation about where you are and what you'd like to achieve. See what to expect at your first meeting.
Your plan
If you'd like to go ahead, we'd meet and go through your full details first, research your options and set out our recommendation in writing.
Ongoing reviews
For pensions, investments and wider planning, we can review your plan at least once a year if you'd like. Ongoing reviews are optional. More on your journey with us.
What it costs
Your first meeting is free. If you go ahead, we'll agree the cost with you in writing before any work starts.
How we work, and where
We meet in person across Fareham and nearby areas, at your home or another place that suits you. Remote meetings by phone or video are available anywhere in the UK. We don't have a high street office, so we arrange meetings that fit your diary. See all areas we cover. For the wider county, see financial adviser across Hampshire.
Questions people ask
What is the difference between an independent and a restricted adviser?
An independent adviser can recommend products from across the market. A restricted adviser can only recommend from a limited range of providers or products. Both must be regulated and both must recommend what's suitable for you, but it's worth knowing which kind you're speaking to. We're independent.
How do I check a financial adviser is regulated?
Search the FCA register at register.fca.org.uk. You can look up an adviser by name, or a firm by name or reference number. Our details, including our principal firm's FCA reference number, are at the foot of every page.
What is an appointed representative?
Octo Financial Planning Ltd is an appointed representative. That means a principal firm, which is authorised and regulated by the Financial Conduct Authority, takes regulatory responsibility for the advice we give. Our principal firm is named, with its FCA reference number, at the foot of every page.
Do I need a lot of money to see a financial adviser?
No. People come to us at all stages of life. If we don't think advice would be worth the cost for you, we'll say so honestly.
How much does a financial adviser cost?
Your first meeting is free. After that, the cost depends on what you need, and we'll agree it with you in writing before any work starts. See how we charge for pensions, investments, mortgages and protection.
What happens at the first meeting?
It's a free, no obligation conversation about where you are and what you'd like to achieve. We explain how we work and how we charge. There's no personal advice at that stage. See what to expect at your first meeting.
- Fareham
- Portchester
- Titchfield
- Stubbington
- Hill Head
- Lee-on-the-Solent
- Gosport
- Locks Heath
- Park Gate
- Warsash
- Sarisbury
- Whiteley
- Hedge End
- Botley
- Curdridge
- Shedfield
- Wickham
- Bishop's Waltham
- Portsmouth
- Hayling Island
This page is general information, not personal advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of investments and pensions, and any income from them, can fall as well as rise and you may not get back the amount invested.