Most major decisions in life call for a specialist - like contacting a solicitor when you buy a house. But when it comes to financial planning, many people either do nothing or try a bit of DIY! Your financial well-being is a very important aspect of your life, so you should look for professional financial advice. Professional advice can come from various sources and it is important that you understand the main differences between them.

Where to go?

Appointed Representatives, Tied Agents and members of Direct Sales operations only represent one Company or Marketing Group. They do not have the freedom to review the whole financial services market in advising you on your needs so the key word to look for is " independent". rht are Independent Financial Advisers - which means we are not tied to the products of any one company and our advice is completely impartial. We therefore have the freedom to choose from the entire financial services marketplace available to us.

Which Products?

We have access to extensive research facilities to aid us in selecting the right product ,or service, to meet your needs. You can feel comfortable in the knowledge that we will only offer you the best we can obtain to suit you personally.

Personal to you

rht will conduct a full and confidential financial review and needs analysis to produce a personalised financial plan, specific to you. Only then will we be in a position to recommend effective solutions. For further information, or a no obligation confidential financial Review please contact us.

How much does it cost?

We offer an initial discussion (without charge) when we will describe our services more fully and explain the payment options.

We will give you Keyfacts sheets about our services and about the cost of our services. Because we are Independent you will be given a choice of paying a fee, commission (or product charges) or a combination of commission and fee. Whatever the method we will agree with you in the first instance so you know what to expect.


Business cost

Only a small percentage of the income fees we receive represent profit for rht, the balance goes towards the running of our business and developing client services. The cost of good advice is money well spent as there can be a world of difference to the final outcome between a poorly selected product, or investment, and a well researched suitable one.

So why not go it alone?

You may not have the time or necessary expertise to choose the most suitable product to meet your needs. rht aims to build a long term relationship with you to benefit your financial well-being, in addition to providing cost effective and valuable advice in this complex area. Your personal financial plan will be reviewed regularly, to keep it up to date with both your changing circumstances and developments in the market. Don't leave your financial future to chance - the cost of not taking advice could be far greater than you imagine.

rht RHT Financial Services Ltd is authorised and regulated by the Financial Services Authority(FSA) The FSA does not regulate Taxation Advice, Wills, Inheritance Tax Planning, School Fees Planning and some forms of Mortgages. The advice and/or guidance contained within this site is subject to the UK Regulatory regime and is therefore targeted at consumers based in the UK.