FAQS

Face 2 Face Financial Services is an appointed representative of Quilter Financial Services Limited who are authorised and regulated by the Financial Conduct Authority.

No, fees will only be taken on completion of application. We have various ways to which you can pay.

Our fees are detailed in our Terms of Business, however, each individuals’ circumstances are different therefore we are unable to confirm an exact fee before the initial consultation, which is free of charge. When we have learnt of your financial goals, we will advise you of our fee at which point you can decide if you wish to proceed.

Your plan will be reviewed annually basis depending if you opt for our ongoing service.

The terms saving and investing are sometimes used interchangeably, but they are very different. One main difference is risk: saving typically comes with less risk than investing. But with risk comes the potential for higher returns.

A pension means different things to different people, but it is generally regarded as a plan in which you save for your retirement, which when you come to retire will have accumulated a value and will then provide you with a benefit either an income or lump sum or both.

We offer a whole of market service; we can access deals that you may not be able to get.  We can also source deals at a touch of a button that would take you hours to do.  If you have complex income (self-employed, poor credit, foreign currency for example), we can find the best lender for you.

We offer home visits for some parts of our advice but we find our customers do benefit from seeing us in our local office in Lanivet we also offer video/telephone calls for those who are further afield/prefer to do this instead. 

You are invested in your career, so it’s vital to protect your lifestyle & future income. If you were unexpectedly having an illness or injury that stops you from working, Income protection plan would take care of your important financial commitments.

• A tax-free lump sum payable if you are diagnosed with pre-defined condition.

It’s easy to think that you will never be diagnosed with a critical illness, particularly when we feel healthy and energetic. But you can fall ill with very little warning. A critical illness can have a serious impact not only on your life, but also on the lives of your family.

Knowing you don’t have to worry about your financial commitments, if you’re unable to work, can give you peace of mind.