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Statement of Principles

The Directors are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied in all areas of the day to day business activities. In adopting the TCF principle it is recognised that fair treatment of our customers adds value to the service we offer. Our customers can be confident, that treating them fairly is central to our corporate core values.

We aim to treat all of our customers with honesty, openness and transparency. Any conflicts of interest that do arise are managed without prejudice in the interests of our customers and we have well-defined internal policies and procedures that are embedded and supported at all levels across the business. These are reviewed regularly to identify areas of improvement and we will provide our customers with clear information and keep them appropriately informed before, during and after a sale. Where our customers receive advice, we will ensure that it is suitable and that it takes account of their circumstances.

Our principle is to balance the client's needs with that of the firm, to be clear about what services we offer and to be unambiguous about our commission earning, fees and levels of service.

Specifically this requires that:

  • Our clients should clearly understand the nature of the services we provide, including our terms, conditions and charges.
  • Our clients must clearly understand the risks inherent in the products advised by us.
  • We must communicate to our clients in an open, clear and understandable manner.
  • We must have a thorough understanding of our clients’ investment objectives, investment experience, attitude to risk, financial standing and resources.
  • We must be clear about the suitability of the recommendations we make to our clients.
  • We will not promise to provide services we are not able or equipped to deliver.
  • We will embed the concept of 'Treating Customers Fairly' within our company culture.
  • Our complaint procedures must be clear, unambiguous and impartial.
  • We ensure that all staff have thorough training on all products they advise on or sell, understand who they are and are not suitable for, and are encouraged to challenge product providers where they spot inconsistencies, ambiguities or potential unfairness in the product literature or product features
  • We operate a remuneration system which assures fairness, rather than rewarding volume sales
  • All staff receive relevant training to improve the quality of service offered to clients
  • We will regularly assess the effectiveness of our policies in respect of 'Treating Customers Fairly'.

Complaints

As Independent Financial Planners there is an expectation of first class service from us and that is what we aim to provide. However, sometimes clients may not be happy with a financial product or service. Whilst we hope this may never happen, should it occur, this may be our fault or may simply be because of the nature of the product or service. If there is a problem or if a client is not happy about the service they have received from us then we will try to put things right.

If you don’t understand something or think that there is a problem, you will be encouraged to ask for an explanation. We need to know and understand what the problem is. If we do, we can often resolve matters quickly and easily. But, if you are not happy with the answers we give you may need to make a formal complaint.

Dealing with a Complaint

We regard a complaint to be any expression of dissatisfaction, whether oral or written, from or on behalf of a client. All complaints are referred to the Compliance Officer at Future Life Wealth Management Limited.
 
All complaints will be dealt with in line with the regulations and procedures laid down by the Financial Conduct Authority and the Financial Ombudsman Service.

Our Awards

2017 Treasury Parliament Review

Future Life Wealth Management to represent Finance

2017 Treasury Parliamentary Review

Forward Ladies Awards 2016 - Inspirational Leader Award

Winner of the Inspirational Leader Award

Forward Ladies Awards 2016

Sheffield City Region Awards 2016 – Customer Service

Finalist in Customer Service

Sheffield City Region Awards 2016

Sheffield City Region Awards 2016 – Business Person of the Year

Finalist in Business Person of the Year

Sheffield City Region Awards 2016

Yorkshire Women in Business Awards 2016 – Rising Star

Finalist in Rising Star (Samantha Williams)

Barclays Yorkshire Women in Business Awards 2016

Yorkshire Women in Business Awards 2016 - Diversity Award

Finalist in the Diversity Award

Barclays Yorkshire Women in Business Awards 2016

Yorkshire Women of Achievement in Business 2016

Finalist Yorkshire Women of Achievement in Business 2016

Yorkshire Women of Achievement in Business 2016

New Model Adviser Top 100 2016

New Model Adviser Top 100 2016

New Model Adviser Top 100 2016

Excellence in Professional Services 2015

Excellence in Professional Services 2015

Derbyshire Times Business Awards 2015

Business Personality of the Year 2015

Business Personality of the Year 2015

Derbyshire Times Business Awards 2015

New Model Adviser Top 100 2015

New Model Adviser Top 100 2015

New Model Adviser Top 100 2015

Forward Ladies Shortlisted Women in Business Awards 2015

Forward Ladies Shortlisted Women in Business Awards 2015

Women in Business Awards 2015

New Model Adviser Top 100 2014

New Model Adviser Top 100 2014

New Model Adviser Top 100 2014

Business Personality of the Year 2014

Runner up in the Business Personality of the Year

Derbyshire Times Business Awards 2014

North Regional Shortlist

The North Regional Shortlist

New Model Adviser of the Year 2013

Outstanding Business of the Year 2012

Winner of the Outstanding Business of the Year

The Great South Yorkshire Business Awards 2012

Business Personality of the Year 2012

Runner up in the Business Personality of the Year

Derbyshire Times Business Awards 2012

Small business of the Year 2012

Winner of Small business of the Year

Derbyshire Times Business Awards 2012

Most Promising New Business 2011

Shorlisted for Most Promising New Business

British Chamber Awards 2011

Team of the Year 2011

Shortlisted for the Team of the Year

Derbyshire Times Business Awards 2011

Entrepreneur of the Year 2011

Shortlisted for Entrepreneur of the Year

Derbyshire Time Business Awards 2011

Most Promising Initiative - Financial Advise 2011

Finalist in Most Promising Initiative - Financial Advise

Financial World Innovation Award 2011

Most Promising New Business

Yorkshire and Humberside - Most Promising New Business

Regional Chamber Awards

Best Technology Business Woman of the Year 2011

Winner of Best Technology Business Woman of the Year

Business Women of the Year Awards 2011

Start-Up Business Woman 2010

Winner of Start-Up Business Woman

Women in Business Awards 2010

Sheffield Enterprise Agency Enterprise Award 2010

Winner of the Sheffield Enterprise Agency Enterprise Award

Sheffield Business Awards 2010