Mystery Shopper  

Mystery Shopper: Merton

Relevant qualifications: Level 4 Dip PFS. 5/5

Payment method: The adviser said the cost is assessed on a case-by-case basis, but typically an hourly rate of £160 is charged plus VAT. 4/5

Guidance: The adviser asked whether the property was jointly owned and urged the shopper to consult a solicitor first to see whether the house would automatically be transferred to her, and whether the eventual transfer to her son would be free of any IHT liabilities. 3/5

Knowledge: The adviser appeared to have limited knowledge on this area. 3/5

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

Email: zest@thinkpositive.com. The adviser gave the corporate email address, not his individual one. 3/5

Verdict: The shopper liked the fact that the adviser was urging her to get some legal assistance as well, but would have still liked more general information on IHT, even if the adviser would not give advice over the phone. 

26/35