FAQs

Hopefully you can find the answers to most of your questions here, but if not, contact us, we look forward to hearing from you.

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Does Envision offer the complete range of financial services I need?

Yes we can – we are not limited in terms of what services and products we are able to offer and implement to create a comprehensive portfolio for you, including financial planning and management, wealth planning, estate planning and retirement planning, although we do not arrange mortgages.

How qualified are you to handle my portfolio?

Principal Advisor, Martin Harvey, is Chartered Financial Planner and a Fellow of the Chartered Insurance Institute.

Chartered status is a symbol of commitment to professional standards. Being Chartered demonstrates to consumers, employers, peers and professional networks that you are at the forefront of your profession and go beyond technical competence to put ongoing professional development, prioritising client centricity and trust at the heart of everything you do.

Fellowship of the CII is regarded as the premier designation for those working in the insurance profession and demonstrates that you have attained the most prestigious level of professional achievement.

Achieving Fellow status involves the completion of a personalised and structured professional development programme.

Demonstrate your ongoing commitment to professional standards and personal development. Whatever your ambitions, membership gives you the opportunity to shape your career the way you want, at your own pace.

As a Chartered professional body of more than a century’s standing, the Chartered Insurance Institute – supported by its Societies – grants Chartered titles to individuals and organisations that meet strict qualifying criteria.

Will I have different financial advisers for different products?

No, at Envision our goal is to get to know each client holistically and build a long-term relationship that delivers on their various goals. To do so, we need to manage all aspects of the portfolio to ensure they work seamlessly to deliver the best outcomes.

Can you handle just certain aspects of my portfolio, or do I have to have everything with you?

Even if you have certain elements of your portfolio elsewhere, we can help you with the aspects of your portfolio that you want us to manage – it’s really up to you.

What if I need a service that you don’t specifically offer?

Where necessary we work with excellent industry professionals who offer complementary services to ours to ensure you have every resource you need.

How does your fee structure work?

We have a flexible fee structure that is tailored to your particular circumstances, and is completely transparent so you can always see exactly what is being paid and why. Everything is explained and agreed in advance so that there is no confusion at any point.

Do you charge for initial and/or ongoing meetings?

Our first conversation is at our expense. This will be a discovery meeting to understand what your plans are and if we can help. We will explain how we charge fees for our services within this meeting too.

If you are an appointed representative with 2plan wealth management Ltd, how can you be ‘truly independent’?

2plan wealth management Ltd is one of the leading wealth management firms in the UK. Their head office administration, technology and regulatory teams provide exceptional support to all their financial advisers around the country, enabling us to deliver the best possible service to clients. As an independent financial adviser, I am free to select products from a wealth of providers and am not tied to a certain provider.

Do I have advice protection with Envision for Financial Planning?

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £85,000. Insurance advising and arranging is covered for 90% of the claim, without any upper limit.