Independent Financial Adviser
DipPFS, CeMAP, ER1.
“Are you totally independent?”
Do you know what? Yes, I really am. I've no axe to grind, and I'm not representing any companies or pushing products.
“Do you come recommended?”
Hello, I'm John Clapham.
There are lots of reasons why you could need me. There might have been a change in your circumstances, and you need to know where you stand.
Maybe something's been on your mind for ages. But you don't have to worry about it urgently, so you keep putting it off.
A lot of people have what I call a 'time capsule pension' - one they stopped paying into some time ago. You might have one and be wondering what to do about it.
Perhaps you've got money in the bank, but are unhappy with the interest rates and thinking of investing it somewhere else.
Maybe you have investments that haven't been reviewed in a while. Changes in legislation may have occurred, and it could mean you now have more options.
Business owners often consult me about areas such as reducing tax liability via Company Pensions (including their new legal requirements under the Pension Act), getting the tax man to pay towards their life cover and key person insurance. Private individuals ask about life cover, mortgages, equity release and pensions, including annuities and income drawdown.
So yes, there are all sorts areas in which I can provide advice.
I've been in the financial services industry for 16 years, and before that I spent 8 years in an accountancy environment. I've got a few qualifications too. So you could say I've done my homework.
Essentially, I help you do three things: reduce your costs, minimise your risks and protect your assets. And it's all for one reason: the future security of you and your family.
I offer a free initial consultation, at a time to suit you. Please give me a call. I'll be happy to arrange it.
AFH Wealth Management
November 2015 -
Independent Finacial Services (UK) Ltd
March 2004 – November 2015
Independent Financial Adviser, qualified in every aspect of financial advice. Providing assistance to those who care about their personal or business finances.
• DipPFS - Diploma in Financial Planning from the Personal Finance Society.
• CeMAP® - Certificate in Mortgage Advice and Practice
• Chartered Insurance Insitute (CII) Certificate ER1 in Equity Release.
Sound financial advice is one of the most important professional services you can call upon. It can make an enormous difference to your life and your family's future.
Many financial advisers can only recommend products or services from a specific group of companies. They may do their very best, but effectively, they remain tied to corporate interests. They can't offer you everything on the market.
That's where AFH is different. All our advisers are completely independent. We are not tied to any bank, nor any investment company or insurer.
When you consult with an AFH adviser, they are not looking to serve anyone else. Our only motivation is to advise on what's best for you.
It's why we've been able to build loyal, long-term relationships with our clients. That's individuals like you, as well as a huge range of organisations.
Flexible Pension options.• Flexible Drawdown •Annuities •Critical illness• Equity Release • Income Drawdown • Investments • Life Cover • Mortgages • Personal and SME Financial Solutions • Pensions • Protection • Retirement • Tax Issues.
Area Leader 4N
Launching the first Monday Breakfast
Looking after Birmingham NEC Breakfast and Redditch Breakfast
4Networking (4N) is a national organisation that brings together a huge range of businesses of all sizes, helping them make contacts, build relationships, get advice and support and also share and refer business.
It's 50% business, 50% social and it works.
When you join 4N, there's no pressure: no dress code, no expectations of referrals and no obligation to attend meetings. You can go to as many or as few as you like, and you can attend meetings anywhere in the UK.
You don't have to be a member to attend. You're very welcome to visit up to three times and decide for yourself if you'd like to join. Please get in touch and I can arrange it.
Married with 3 children.
Season TIcket holder at WBA
Love reading, theatre and good company!
Originally as a nervous networker John has continued to support me and help me build and grow in confidence, he trusted me enough at the onset to become part of his Redditch team and this continues to date. He is an awesome, trustworthy, genuine go to top Bloke its an honour to be one of his friends
When it comes to financial issues especially pensions I have a mental blank and it has caused me stress and worry in the past. Enter John who has been so patient in explaining what I have, what the options are and got everything sorted for me. In short he has made it easier for me to sleep at night.
I have known John since joining 4N and he has been totally supportive in encouraging me (& others) in maximising my (& their) 4N membership and enhancing membership, contacts and relationships! Someone I have referred to friends and clients as offers a first class service. Thank you, a real star!