FAQs

Meetings can take place in our offices, at your home, at your workplace or virtually. Whichever is the most convenient option for you.

Yes, we have free client parking at our offices.

No, absolutely not. You need to be able to check us out without obligation or cost.

It would be useful if you brought statements and balances related to your enquiry, but we are happy to gather all specifics if you decide to work with us.

Initial meetings tend to last for around an hour.

No. You can take your time to consider the information you receive and come back to us when you are comfortable.

To book a meeting, contact any of the advisers directly from their profiles, call the main office on 0117 9303510 or email helpme@aspirellp.co.uk.

Yes, we are a Chartered financial planning firm offering independent investment advice and a comprehensive range of mortgages from across the market. Our protection planning services are based on a fair and personal analysis of the market.

We are authorised and regulated by the Financial Conduct Authority (FCA). You can find our entry on the FCA register by clicking here.

We hold the necessary FCA permissions to be able to offer advice in this area.

All the financial planners have experienced teams who work closely with them to manage all enquiries in the event your financial planner is not able to respond.

Once we have established the type of financial planning you require, your planner will provide you with a personalised Scope of Work. You won’t incur a charge until you have agreed on your Scope of Work.

Our initial fees are a fixed charge, so you will know upfront what your costs will be. These are based on the type of work, not the value of the assets being discussed. If you decide to take an ongoing service with us, the charge will be a percentage of the assets we agree to manage.

Commission can be paid to us from mortgage and protection providers. This is explained fully in our Terms of Business, and any amount will be fully disclosed before you proceed with any product purchase.

Where we arrange a financial product for you, the service will generally be VAT-exempt. VAT will apply to some of our services, so this will be clarified in any Scope of Work.

Yes, we are an independent, Chartered financial planning firm. We are not tied to any product provider, so our recommendations are based on a fair and personal analysis of the market.

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA). This means we must meet the FCA’s rules on competence, conduct and treating customers fairly.

Yes, you can meet us in person or via a secure video call. We will agree the format with you and can also use a mix of meetings over time if that suits your circumstances.

Face-to-face meetings can take place in our offices, at your home, or at your workplace. If meeting in person is not practical, we can also meet via a secure video call.

Yes, we have free client parking at our offices. If you are visiting for the first time, we can share the directions and any access details in advance.

We were founded in 2010 and have been advising clients for over 15 years. Over that time, we have supported clients through different market conditions and life events.

We are based in Bristol and Sussex, and we work with clients across the UK. We use secure video meetings and digital systems, so your location does not limit the service.

Yes, our team includes Chartered Financial Planners and advisers with other professional qualifications and accreditations. You can view individual qualifications and accreditations on our team profiles.

Yes, we hold Chartered Financial Planner firm status with the Chartered Insurance Institute (CII). This reflects a commitment to high professional standards and ongoing development.

Our advisers hold a range of professional qualifications and accreditations, including ones awarded by the Chartered Institute for Securities & Investment (CISI). We list individual qualifications on our team profiles so you can see the credentials relevant to your work with us.

Yes, you can read verified client reviews on VouchedFor and Google, and you can watch video testimonials on our website. We keep these public so you can see how clients describe their experience of working with us.

We provide independent, Chartered advice and focus on goals-led financial planning. Our fees are clear and transparent, and we often work alongside your other professional advisers to keep your planning joined up.

Our FCA firm reference number is 518833. You can use this to find us on the FCA Register and check our permissions.

We work with clients primarily in Bristol, Bath, London and across Sussex. We also work with clients nationwide through secure video meetings.

You can request an initial meeting online or by calling our office. We will suggest times that fit around your diary and explain what the first meeting will cover.

No, there is no charge for the first discovery meeting. We use it to understand what you want to achieve and to explain how we work.

If you have them, it helps to bring recent statements and balances related to your enquiry. If you do not have everything to hand, we can gather the details later if you decide to proceed.

We will talk through your current position, why you have contacted us and what you want to achieve. We will then explain the likely next steps and costs, so you can decide whether our approach is right for you.

Initial meetings usually last around an hour. If more detail is needed, we can arrange a follow-up meeting.

No, there is no obligation to proceed after the first meeting. If you choose to move forward, we will provide a clear written Scope of Work for you to consider before any fees apply.

Yes, we have female financial planners and we can take your preference into account. We will also match you with someone whose experience fits the type of help you need.

Each planner has a qualified support team to keep day-to-day administration moving. If adviser input is needed, another qualified planner can step in so your service continues.

If you choose an ongoing review service, it includes a review schedule with at least one review each year. You can contact us whenever you need to, and we also share regular updates such as our monthly newsletter.

Yes, we use cashflow modelling to help you see how decisions may affect your long-term plans. We use it to test different scenarios so you can make choices with more clarity.

If your circumstances change, tell us so we can review the impact on your plan. Where needed, we will update your financial plan and adjust your strategy to keep it aligned with your objectives.

Yes, we regularly work alongside accountants and solicitors. Coordinating advice can make your planning more joined up and easier to implement.

Yes, with your consent, we can share relevant information securely with your mortgage adviser. If you prefer, we can also provide mortgage advice as part of our service.

You are a client of Aspire, not just an individual adviser. If your adviser leaves, another adviser will take over with a full handover so your plan continues smoothly.

Each financial plan is tailored to the individual, so there is not a one-size-fits-all example. We can show you an outline cashflow model and explain the structure of a plan during the discovery stage.

Yes, you can view the value of your investments online through our secure client portal. It also gives you access to key documents and messages in one place.

Yes, we provide a secure client portal where you can view valuations, documents and messages. We use it to keep information organised and easy to access.

If you choose an ongoing review service, we agree a review schedule with you with a minimum of one review each year. We may suggest additional meetings if your circumstances change or you would like more contact.

Yes, we advise on a comprehensive range of mortgages from across the market. We will explain the options and costs and recommend a solution that fits your wider plan.

Yes, we have qualified specialists who can advise on equity release. We will explain the risks, costs and alternatives before you decide, as equity release is not right for everyone and can reduce the value of your estate.

Yes, we can help you set up a new pension, review existing pensions and plan contributions and withdrawals. Where appropriate, we may recommend moving a pension to a more suitable plan, but a transfer can mean losing valuable guarantees.

Yes, we can help you understand your scheme benefits and your options at retirement. We will explain the trade-offs so you can make an informed decision.

Yes, we can review each pension and explain the costs, benefits and features before any changes are made. We only recommend consolidation where it is in your best interests, as you could lose benefits by moving pensions.

Yes, we can review your retirement income options and structure withdrawals to make sensible use of available allowances. Tax treatment depends on your circumstances and tax rules can change.

Yes, we can incorporate ethical or sustainable preferences into your investment strategy where suitable. We balance your preferences with your objectives and attitude to risk, and investments can go down as well as up.

Yes, we can help you plan what to do with an inheritance, based on your goals, time horizon, attitude to risk and tax position. Where investing is appropriate, we will recommend a strategy that fits your plan, and investments can go down as well as up.

Yes, we can advise on SIPPs, including when one may be appropriate and how to use the flexibility. SIPPs invest in the market, so values can go down as well as up.

Yes, we have advisers with the specialist qualifications and FCA permissions to advise on defined benefit transfers. These pensions can provide secure lifetime income, and transferring usually means giving up guarantees, so in many cases the right advice is to keep the benefits. This is a complex area and we only recommend a transfer where it is demonstrably suitable.

Yes, we provide later-life planning, including planning for care costs and reviewing options such as downsizing and equity release. Where legal advice is needed, we can coordinate with your solicitor on areas such as wills and powers of attorney.

Yes, we can include Inheritance Tax and estate planning as part of a wider financial plan and work alongside your solicitor where appropriate. Tax rules can change and any planning depends on your individual circumstances.

Yes, we can advise on ISAs and how they may fit within your wider financial plan. ISAs offer tax advantages within annual allowances, and investments held in an ISA can go down as well as up.

Yes, we can recommend protection to help reduce the financial impact of illness, injury or death. The right cover depends on your circumstances and budget, and policies have exclusions and conditions.

Yes, there is no charge for the first discovery meeting. It is a chance to understand what you need and to explain how our service works.

Once we understand the planning you need, we provide a personalised Scope of Work setting out the fees. You do not incur a charge until you have agreed to the Scope of Work, and fees are typically a fixed fee for initial work and a percentage for an ongoing review service.

For an ongoing review service, our minimum charge is £1,500 a year. The fee depends on the work involved and we set it out clearly in writing before anything begins.

Fees vary depending on the complexity of your circumstances and the work required. We confirm the fee before any work begins and set it out clearly in writing.

Our initial fees are fixed so you know the cost upfront, and they reflect the work involved rather than the value of your assets. If you choose an ongoing review service, the charge is usually a percentage of the assets we agree to manage.

Commission can be paid to us by some mortgage and protection providers. We explain this in our Terms of Business and disclose any commission before you proceed.

Where we arrange a regulated financial product, the service is generally VAT-exempt. VAT applies to some services and we will confirm this in your Scope of Work.

We are transparent about costs and we quote based on the complexity of the work and the service required. You receive a clear written quote so you can compare like-for-like with other firms.

Our fees reflect the work involved and the level of ongoing service you choose. We make our costs clear so you can compare proposals on a like-for-like basis.

Our current fees are set out in our Terms of Business. Once we understand what you need, we provide a personalised Scope of Work that sets out the costs for your situation.

Yes, we can use cashflow modelling to test different retirement dates and explore what is realistic. We then build a plan around your objectives and the assumptions behind the projections.

Yes, we help you define your retirement objectives and use cashflow modelling to test different scenarios. We then build a plan around how you may take income in a tax-aware way, and investments can go down as well as up.

We typically work with professionals, business owners and families. Many clients are building wealth, approaching or in retirement, or focused on preserving wealth for the next generation.

Yes, where our service is a good fit for your needs and we can add value. We generally work with people who have more than £150,000 in investable assets.

Yes, we work with many company directors and self-employed clients. We can help with planning around remuneration, pension contributions, investing surplus profits and preparing for a business exit, and tax treatment depends on your circumstances.

Yes, we help clients plan for retirement, transition into retirement and manage their finances through retirement. We use modelling to explore sustainable income strategies, and investments can go down as well as up.

Yes, we can help you decide how an inheritance could support your goals, whether that is using it now or passing on wealth later. We can use cashflow modelling to test options, and investments can go down as well as up.

Yes, we work with clients who are selling, or have sold, a business and want to plan what comes next. We can help consider tax efficiency and the investment of proceeds, and tax treatment depends on your circumstances.

Yes, we can support you with practical financial steps after a bereavement in a sensitive and structured way. We help you understand what needs doing now and what can wait.

Yes, we often work with business owners, professionals and people approaching or in retirement. Our advice often covers using allowances effectively, planning retirement income and moving money out of a business, and tax treatment depends on your circumstances.

We advise UK residents only. If your situation involves international residency, we will be clear about whether we can help within our regulatory permissions.

Yes, we can review your existing investments and pensions against your goals and whether they are fit for purpose. We look at costs, benefits and features, then advise whether to keep things as they are, make adjustments or consolidate, and investments can go down as well as up.

We are typically a good fit if you have £150,000 or more in investable assets and are on track to grow your investments with regular contributions. We also offer a simplified Smart Service for people with less than £500,000 in investable assets.

FSCS protection depends on the type of product and the provider. We will explain what is covered and what is not before you invest.

If something goes wrong, you can raise a complaint with us and we will investigate and aim to put things right. If we cannot resolve it, you can refer the matter to the Financial Ombudsman Service.

We use secure systems and encrypted communications, follow GDPR and restrict access to authorised team members. Our Privacy Notice explains how we handle your data in more detail.

Yes, we maintain professional indemnity insurance. This helps ensure we operate responsibly as a regulated firm.

Our FCA firm reference number is 518833 and you can verify our details on the FCA Register. The Register shows our authorisation and permissions.

Yes, we share client testimonials and stories on our website. These examples are there to show how our process works in practice, but outcomes will differ for each person.

We run client surveys and monitor service standards. We use feedback to improve how we work and the service you receive.

Yes, our awards and accreditations are listed on our website. We keep this information up to date so you can see the recognition we have received.

Yes, we have a VouchedFor profile where you can read verified client reviews. We also use the platform to keep advisers’ feedback visible in one place.