WELCOME TO Barry Johnson Financial Services Ltd

An Independent Financial Adviser Firm located in Northampton.

The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.

You are the focus of our business: You, your life, your family, your future.

Our understanding of your current financial situation is the keystone to the formulation of a financial plan which will meet your future needs. Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline.

So it all starts with listening. We listen to your needs, your hopes, your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.

This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future.

Call us today on 01604 879929 or email us at info@johnsonfs.co.uk and we'll be pleased to help you.

ABOUT

Who we are and what we do

As an Independent Financial Adviser Firm we offer advice on life assurance, family or personal protection such as income protection, retirement planning, pensions and investments. As we qualify under regulation as an Independent Financial Adviser Firm we are not tied to any insurers or investment providers.

We will endeavour to beat the quote of life insurance quotes obtained on gocompare / money supermarket or any main internet comparison site on a like for like basis. If you have an internet quote, show us  the quoted printout and we will try to beat the quote for you (subject to normal insurance acceptance)

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Financial Services

Our main financial services

We offer a full range of financial services and have highlighted three of our most popular below.

Savings & Investments
Often, people save for a specific reason and it's usually the safest way to build up a pot of money...
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Retirement Planning
A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in...
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Life Assurance
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that...
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How We Work

Here's how we formulate the plan towards your goals

  • We will initially meet with you at our expense, with no obligation to proceed any further.
  • We will listen to what you want and articulate a professional plan based on your goals.
  • We will explain how we work and the costs of our services.

 

If you engage in our services, we will follow 8 steps to ensure plans that we help create are relevant for you.

Our plan for you

1Your Goals, Needs and Timescales
We will help you to focus on your short, medium and long term financial goals and on what you wish to achieve through growing your wealth, taking income from your wealth or a combination of both. This will establish the various timescales for which your financial plan must cater and the priority you attach to your objectives.  We will also check that you hold funds in deposit accounts as liquid savings and as emergency funds.
2Current Circumstances & Data Gathering
We will gather information about your current financial arrangements, personal circumstances and your attitude to investment risk. Completion of a scientifically designed questionnaire and discussion about your answers will enable us to identify your attitude to risk and ensure we are able to formulate a suitably aligned investment strategy.  The strategy needs to take account of the ability of your overall financial position to cope with any loss in your capital investments. This usually also involves us contacting the providers of your plans and policies to obtain up to date information on valuations, terms and conditions and benefits.
3Analysis and Evaluation
Analysis of data we gather enables us to evaluate opportunities for making your resources work most effectively. As part of this process, we examine the taxation and other implications when considering whether alterations to your existing arrangements represent an appropriate strategy.  The above steps also enable us to identify the proportions of different ‘asset classes’ e.g. equities, property, fixed interest securities, that would provide suitable diversification for your investments i.e. ensuring you have the ‘right number of eggs in the right number of baskets’.
4Selecting the Right Vehicle
The next step will be to identify the most suitable vehicle for your investment strategy.  The underlying investment funds selected to populate your asset allocation ‘basket’ is based upon stringent qualitative analysis and could include: - Passive funds - Active funds - Cash solutions - Funds with a degree of capital protection
5Tax Efficiency
We will ensure investments you own are administered within the most suitable ‘tax wrapper(s)’ e.g. ISA’s or pensions so you benefit from appropriate and available tax reliefs on contributions or shelters from tax on gains or growth.
6Detailed Recommendations and Advice
We will identify ways in which your arrangements could be better organised to achieve your stated goals. Taking account of your attitude towards the relationship between risk and reward.  We will meet with you to present and discuss our advice and agree any actions you wish to take.  The reasons for our recommendations and actions to take as a result of our discussions will be confirmed in writing as a permanent record of the advice we gave you.
7Implementation
To carry out all of the work required to implement your financial plan and alterations to existing arrangements. A highly efficient method of putting your agreed portfolio into action is for us to utilize a secure, web-based investment administration account on your behalf. This service, known as a ‘wrap platform’ acts like a window on the composition and valuation of the funds we purchase in your name. We will liaise as necessary with any of your other appointed Professional Advisers, accountants or solicitors.
8Ongoing Service – Keeping it on track
Your investment strategy needs to evolve if it is to keep on helping your to achieve your goals. Once it is in place, we provide ongoing monitoring and review services of your holdings and the vehicles utilised. As a consequence, we will be in a position to discuss with you any adjustments we feel are required to keep your plans on track and in line with your objectives and attitude to risk.
Your next Project

Ask us about Financial Planning and the best options available for you

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Where we are

15 MacMillan Way, Northampton, Northamptonshire, NN3 6FE

Barry Johnson Financial Services Limited are Authorised and Regulated by the Financial Conduct Authority.

Barry Johnson Financial Services Ltd's FCA number is 684012 and is registered in England and Wales no. 9464119.

Your home maybe repossessed if you do not keep up repayments on your mortgage.

The content of this website is subject to the UK regulatory regime and as such is primarily targeted at UK consumers.

 

Our clients value the service we provide and often recommend us to others.

However, our written complaints procedure is available upon request.

In the event that you have a complaint we cannot settle, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

Further information about the FOS is available from their website www.financial-ombudsman.org.uk

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