Providing a calm approach to Financial Planning in an ever changing world

Why choose us ?

Our service is tailored to the individual requirements of every client, providing you with a personal approach to your financial plans. As a trading style of L J Financial Planning Ltd,Prudent Financial Investments also has access to Chartered Financial Planners for clients with more complex needs and all advisers are supported by a dedicated administration team and the latest technology and participate in a program of Continuing Professional Development to maintain and improve their knowledge and skills across all financial planning disciplines.

LJ Financial Planning Ltd (www.ljfp.co.uk) is an Independent Company, ensuring that we are able to offer truly independent financial advice from the entire market, rather than a "one size fits all" solution.

We charge for our services on a fee  basis, which can either be a fixed amount,  charged by the hour, or as a percentage of funds under management.  You decide how we are to be paid for our services at our initial meeting. 

The principal IFA of Prudent Financial Investments, Mr Paul Naylor (known affectionately as Ned Naylor) has over 21 yrs experience as an Independent Financial Adviser, holds the Chartered Insurance Institutes Financial Planning Certificate and Mortgage Advice Qualification and is  dedicated to offering the highest standards of ethical service, sensible and prudent advice and treating customers fairly.

How do  we  work ?

Discovery -We start by helping you to identify your goals and aspirations (not always as easy as you may think!) Our solutions focus on your goals, no on simply selling you a financial product. That way you are clear as to what you wish to achieve, this session usually takes an hour or so and we like to visit you at home as you will have all the information to hand that we may need.

Planning- Based on the initial session, we would then prepare a comprehensive financial planning report, detailing the various ways you can adopt to achieve your objectives.

Implementation- We will then implement the plan for you, suggesting a bespoke mix of products and services that will work best for you.

Monitoring- We recommend reviewing and adjusting your financial planning as your circumstances change to ensure everything is going to plan

Our sole aim is to offer stress free financial planning in a straightforward manner.  We are committed to providing all advice in plain english, without resorting to jargon, but with the full  technical specifications for any product or service we recommend taking up, so that you are fully conversant with how your financial products work.

What are the costs of advice?

Truly Independent Financial Advice  is not free !  However, advice and service can be paid for either by fees, which can be costed at hourly rates for work done and invoiced, fixed fees for specific tasks or  commission on financial products purchased as a consequence of taking advice.  A combination of fees offset by commission is also available and before starting work for you, these costs will be fully covered in the initial no obligation discussions.

For a no obligation initial discussion and discovery meeting at our expense, please contact us via our Contacts page by the most preferred method as convenient to you.

For the purposes of clarification, our initial meeting is free of all charges and at our expense in time and costs.