Whole-of-market advice from Richard Ferris CFP on your mortgage protection, pension and investments, so you get the right cover at the right price, without becoming a financial expert. One adviser who knows your situation, not a call centre.
Buying a home
Protect your family
Plan ahead
Grow your money
Not sure? Book a free 15-min call
What we do
Clients usually start with one thing and return for the rest. Whatever you need, it's independent advice direct from Richard.
Mortgage protection · Life insurance · Income protection · Serious illness
Personal & company pensions · PRSAs · retirement planning · pension reviews
Lump-sum & regular investing · savings · risk-rated portfolios
A full review of where you stand and a plan to reach your goals
A bank or tied agent can only offer one provider's range. You can't see the whole market — so there's no way to know if you're overpaying or properly covered, and the whole thing comes wrapped in jargon.
It leaves most people feeling sold-to and out of their depth on a decision that runs for decades. You shouldn't have to become a financial expert — or take whatever your bank pushes — to get advice that's on your side.
| Bank / tied agent | Ferris Financial Planning | |
|---|---|---|
| Providers compared | Just one | The whole market ✓ |
| Advises on | Their own products | Protection, pensions & investments ✓ |
| Who they work for | The provider | You ✓ |
| Complex or health cases | Limited | Specialist advice ✓ |
| Ongoing reviews | Rare | Every year ✓ |
| Whose interests come first | The provider's | Yours ✓ |
A bank or tied agent can only offer one provider's range. You can't see the whole market, so there's no way to know if you're overpaying or properly covered, and the whole thing comes wrapped in jargon.
It leaves most people feeling sold-to and out of their depth on a decision that runs for decades. You shouldn't have to become a financial expert, or take whatever your bank pushes, to get advice that's on your side.
