Giving you confidence in your finances

As Independent Financial Planners we help you build a secure financial future

What we do

FINANCIAL PLANNING

We’ll work together to establish a clear financial plan and keep you on track.

TAX PLANNING

We can help you to get the most from your money.

INVESTMENT MANAGEMENT

Our investment ethos is to invest for the long term in highly diversified risk managed solutions.

LEGACY PLANNING

We want to help you establish a robust plan to leave as much as possible to your loved ones.

PROTECTION

We can give you the peace of mind of knowing that you and your family will be taken care of.

LATER LIFE SPECIALISTS

We specialise in planning for long-term care and helping later life clients.

Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning.

How we do it

Getting to know you

We’ll spend time getting to know one another; what’s your current position, what are your goals for the future, what concerns you and understand how you feel about risk.

The Financial Plan

We will put together a clear financial plan and detailed recommendations for you.

Presenting the plan

We will meet again to present the plan, if you are happy we will sign paperwork to implement the plan and any recommendations.

Action

We will keep you informed at every stage and send confirmation when the agreed actions are complete.

Ongoing Review

We’ll get together at least annually to ensure the plan remains suitable, talk about any changes in your circumstances and discuss fund performance and fees.

Are you worried about:

  • If your existing investments are appropriate?

  • How much you'll need to save for retirement?

  • How tax efficient your finances are?

  • When you can retire?

  • Your potential Inheritance Tax bill and how to reduce it?

  • Whether or not equity release might be right for you?

  • How to plan for paying for care fees for yourself or a loved one?

CONTACT US FOR HELP

Who are we?

Frederika Clay

Founder and Independent Financial Planner

Frederika is a Chartered, Fellow of the Chartered Institute for Securities and Insurance (CII) and is also SOLLA (society of later life advisers) accredited.

Frederika and her team have over 20 years working in Finance spanning high-street banking, Investment Management and Financial Advice.

Frederika has two young children and is often found walking along the River Dee in Chester with an ice-cream or chasing after the children on a bike ride.

What people are saying

  • ‘I’m a solicitor specialising in tax, trusts and estates. I’ve worked with Frederika for a number of years and cannot recommend her highly enough. Honesty, integrity, quality expert advice and no pressure sales tactics. Rest assured you will be in good hands with F&O’

    Amanda Bailey, Partner, Brabners LLP

  • ‘Knowledgeable, efficient, reliable, and committed are just a few words I’d use to describe Frederika Clay's work. She’s highly engaged and works tirelessly to help and support your investments. I couldn’t recommend her highly enough.’

    Nick Maloney

  • After the death of my grandad, Frederika initially helped me navigate his investment portfolio and the information I’d require for the probate process. Following this, she helped me open a trust for my daughter, advising on the best areas to invest and steering me through the whole process. Frederika is professional, compassionate and knowledgeable – and I couldn’t have done any of it without her.

    Scott Walker

Contact us

fc@fowm.co.uk
01244 677600

10 Nicholas Street,
Chester, CH1 2NX