Mystery Shopper  

Mystery Shopper: Swansea

Website: http://www.cbkwales.co.uk/

Email: mark.kearle@cbkwales.co.uk 5/5

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Verdict: The adviser offered a solid description of what would be involved in the first consultation and showed good knowledge of the different types of investments, but needed some encouragement to go into more detail.

Total score: 34/35

 

Adviser: Estate Capital Financial Management

Address: 7 Uplands Crescent, Uplands, West Glamorgan, Swansea, SA2 0PA

Speed of response: 10:30. The shopper was transferred to an adviser straight away. 5/5

Telephone manner: The adviser was extremely polite and well-mannered. 5/5

Relevant qualifications: Dip FA. 5/5

Payment Method: The adviser explained there was no obligation to pay during the initial meeting, upon which a fee would be discussed after having considered all the investment options. 4/5

Guidance. The adviser said the initial consultation would involve determining the client’s attitude and aversion to risk, as the investment will be sidelined by the shopper’s attitude to loss. He said a five-year horizon was generally a pretty good idea for buying a property, and could be a good move, and suggested there are many investment mediums available for long-term planning. He suggested the client have a look at the firm’s website and access some helpful information there. 4/5

Knowledge: The adviser sounded confident and showed a sound understanding of investing with the aim of buying a property. 5/5

Website: https://www.estatecapital.co.uk/

Email: kevin.jones@estatecapital.co.uk 5/5

Verdict: The adviser was knowledgeable and did not hesitate to give his contact email, but needed some encouragement to go into detail.

Total score: 33/35

Adviser: Acumen Independent Financial Planning (Independent) 

Address: Acumen House, 40 Frederick Place, Llansamlet, Swansea, SA7 9RY

Speed of response: 11:15. The shopper was transferred to an adviser straight away. 5/5

Telephone manner: The adviser was friendly and chatty. 5/5

Relevant qualifications: Director with a Dip PFS. 5/5

Payment method: The adviser said the initial consultation was free, while cost of advice would depend on the type and amount of the investment. For example, a £10,000 investment in a stocks and shares Isa would incur a £300 fee. However, if the client decided to invest in a Lisa there would be no cost. 5/5

Guidance: The adviser ran through several different scenarios, and explained three of the best options available: a Lisa, stocks and shares Isa and Help-to-Buy Isa. 

Knowledge: The adviser showed a high level of understanding of the situation, and explained several details of the different options available. For example, that a Help to Buy Isa means the government will boost your savings by 25 per cent. 5/5

Website: https://www.acumenifp.co.uk/

Email: acumen99@hotmail.co.uk 5/5

Verdict: Shopper’s Choice: The shopper felt at ease talking to the adviser/director, who volunteered details on where the market is at present, the possible impact of Brexit, and how this might affect the different types of investments suitable in this scenario. The shopper felt in good hands.