Providing peace of mind is one of our core values, which is why we’re very pleased to share this in-depth set of answers to the questions we get asked by clients and prospects most often.
Yes, we’re a fully independent financial planning firm.
Yes, our Financial Conduct Authority (FCA) reference number is 914561.
Yes, we offer both in-person and video calls to suit.
Generally at the office, but we can do home visits in certain circumstances.
Yes, we do.
You’ll find us at the border of Wokingham and Reading, and we work with clients based outside of this region.
Yes, we have planners who hold Chartered and/or Certified accreditation.
Yes, we do.
Yes, you’ll find reviews on Google and VouchedFor, as well as website testimonials and case studies.
We have a focus on financial planning, which means we see pensions and investments as “enablers” to help you obtain the lifestyle you desire. Financial planning is centred around cashflow modelling, and very much looks at the full financial picture as opposed to focusing on individual pensions or a particular aspect of investment management.
Our FCA number is 914561.
Wokingham, Reading, Bracknell, Henley-on-Thames, and the wider Berkshire region.
Just phone or email the office, and one of the team will speak with you to find out more about your enquiry and your financial position.
A first meeting is at our cost, but our initial telephone conversation will reveal whether having a first meeting would be of mutual benefit.
In preparation for our initial meeting, we’ll ask for information in advance. This is so that we can hit the ground running, and also allows us to fully demonstrate our financial planning software.
Essentially, it’s a “discovery meeting” where, most importantly, we find out the things you wish to achieve by working with a financial planner. You can also ask us questions to ensure that we can do the things you need us to do for you.
Two hours maximum.
No. Beyond the initial meeting, if there’s mutual benefit in working together, we’ll send you the relevant engagement documentation.
Not currently.
The service at Bluesky is very much a team effort. Should you need to discuss your situation urgently, one of our other financial planners would be happy to take your call.
The one fixed point in the calendar is an annual review meeting. But in between these, you’ll receive our monthly newsletters, and further meetings can be arranged at no extra cost should they be required.
Yes, this is at the core of the way we work with clients.
We’d have a meeting to discuss your new circumstances and make decisions from there.
Yes, we commonly work with other professionals and can refer you to other professionals if needs be.
Yes, we can.
You’re a client of Bluesky, so one of our other advisers would be appointed as your new point of contact. All of the advisers at Bluesky follow the same approach – the Bluesky way – as opposed to all advisers having their own pet providers and funds.
Yes, this can be made available on request.
Yes, you’ll have access to the provider that we believe is best suited to your circumstances.
Not currently, but we may decide to do so in the future.
At least once a year, but ad hoc meetings are available on request and aren’t charged for.
No, but we’d happily refer you to a mortgage adviser that we’ve been working with for many years.
No, but we’d happily refer you to an equity release adviser that we’ve been working with for many years.
Yes, we can.
Yes, of course.
Yes, we can.
Yes, no problem.
Yes, we can.
Yes, we’d be happy to.
Yes, although if you require advice on an unconventional asset (e.g., investing in land), we’d suggest you use a specialist SIPP provider.
No, sadly not.
There are some specialist products on which we don’t provide advice, such as equity release. But we’re always happy to have an initial conversation to understand the broader context and objectives, and advise on the best way forward.
Yes, we can.
Yes, no problem.
Yes, we can.
Yes, we do.
We offer a fixed-fee financial plan and percentage charges for implementation and ongoing management.
A percentage of investments.
No, we don’t.
Not on financial plans. You’ll be informed if/when VAT applies.
We benchmark ourselves against other Chartered financial planners and believe our fees to be competitive.
They’re in line with other Chartered financial planning firms.
We can make our generic terms of business available on request, but there are occasions where we discount our fees depending on an individual’s circumstances. You can also view our fee philosophy.
Yes, we’d love to.
Yes, it’s our speciality.
Those who are approaching retirement or in retirement, needing help with Inheritance Tax planning, or divorced and receiving a pension share.
Occasionally, and principally to put together a financial plan (as opposed to ongoing management).
Yes, we do.
Yes, absolutely.
Yes, we can.
Yes, of course.
Yes, we can.
Yes, we do.
No, we don’t.
Yes, we can.
In practical terms, £400,000 is the minimum amount.
Yes, they are.
You’d make a complaint to the compliance office who would deal with your complaint in accordance with Financial Conduct Authority (FCA) guidelines. Should you be dissatisfied with our response, you could approach the Financial Ombudsman Service.
We have secure IT systems and high levels of password protection.
Yes, we are.
On the FCA register – our number is 914561.
Yes, you’ll find these throughout our website or on the “What clients say” page.
Through periodic surveys and requests for VouchedFor reviews.
Yes, we’ve been named one of VouchedFor’s Top Rated adviser firms.
Yes, and you can find us on VouchedFor here.
Helping your clients reach their ideal destination in life starts with being better informed. That’s why we’re so happy to freely share our expertise for you to use and enjoy.
Chartered Financial Planners serving Reading, Berkshire, and the Thames Valley. Bluesky Chartered Financial Planners is a trading style of Bluesky Financial Planners Ltd which is authorised and regulated by the Financial Conduct Authority under reference 914561. Bluesky Financial Planners Ltd is registered in England & Wales No. 11936113. Registered Office: The Barn, Hatch Farm, Mill Lane, Sindlesham, Reading, RG41 5DF.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details can be found by clicking here. The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. The FCA does not regulate tax or estate planning.
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