Monthly Archives: September 2015

36 Years Later

In October I will be celebrating having spent 36 years as an Independent Financial Adviser. In 1979 when I joined this industry the World was quite a simple place to live in, there weren’t many ‘financial products’ available and people didn’t seem to have so much money spare. We had just survived the power strikes, the demise of mining and the sharp decline in the motor industry. Add to that the closing of numerous massive steel works and the backdrop wasn’t too brilliant.

In 1979 there was a Government change, Margaret Thatcher came to power, and during the early 1980’s she gave many the opportunity to become owners of their own homes for the very first time. People began to feel wealthy and they were given shares in companies simply because they had a bank account with them or they bought their electric, gas or water from them. Britain was wakening up to wanting more, there was a new freedom and a freedom to design your own destiny.

People began seeking financial advice!! In the years that followed the financial services industry changed so much and the Banks became involved. Licencing and legislation became the watchwords, compliance and red tape began to grow, education of financial advisers became a ‘requirement’ so it all became a bit more serious. The man in the street was at least starting to realise that in order to build a safe financial future it made good sense to get some professional advice in the same way they would employ a solicitor or accountant.

Now fast forward to 2015. We have super-fast broadband and people can do loads of research on a multitude of matters including all those financial.

But everyone seems to feel hard done by. The Banks have stopped giving Financial Advice because the model they used to work with is no longer ‘financially viable’. There is now such strict legislation, licencing and examinations that Independent Financial Advisers have to comply with. But the cost of this is all loaded onto the consumer, surely this isn’t fair?!!

The problem as I see it is that we have all become too clever for our own good. Nobody trusts anyone any more, it isn’t good enough to listen to someone and accept their advice, even when they are a seasoned professional!

Everything has to be proved and written down and checked and double checked and compliance approved and sanitised and made politically correct, so much so that a simple letter explaining what you are doing now reads like war and peace. So have we created a monster?

I hope not, we still have an industry that prides itself in giving people good honest advice at a value for money price. We still talk to our clients; we still take the time to explain what needs to be done in plain understandable English. We tell you how much the advice is going to cost, how much the product provider will charge, how much you stand to make and what the risks and rewards are, all good straightforward stuff.

Our attitude to our business is simple, were here to help guide you to the best products, the most appropriate tax wrapper and the best funds we can. We then help you to manage the whole thing to make sure it works. It’s quite simple really.

If you want to do the best for you and your family that you can, you want financial security and want to pay the legal minimum in tax then there is an answer. We need to talk, we can help you to achieve all of this. You however need to take the first step and give us a call.

We don’t charge for your initial review, we only charge for whatever new business we do for you.

You have nothing to lose and everything to gain. If you don’t do this now you’ll only have yourself to blame!

Call Frank on 01902 422333 or email to book an appointment.


Why use an Independent Financial Advisor?

If you have money in Banks, Building Societies, Premium Bonds, National Savings, Cash ISA’s or similar you are by definition an Investor. You are investing for your future and for that of your family. 

You have taken time to save your hard earned cash and put it somewhere where you hope it will be safe and will earn you some interest. In these uncertain times we all like to have something for a rainy day and something to pass on to our family when we’re gone.
In principal you have done the right thing, but in reality there is a flaw in your Investment strategy. Ask yourself two questions ‘ what rate of interest am I getting from the Bank or Building Society? ‘ and ‘ what is really the rate of inflation? ‘ ie the one we notice when we see rising prices in the shops. The answer is that the rate of inflation you see is higher than the rate of interest you are getting on your Investments. Unfortunately the real value of your Investments is dropping year on year as the same amount of money buys less and less. Unfortunately you have a problem.

What is the answer?

The answer is to speak to an Independent Financial Advisor such as Frank Cochran, Derek Baillie or Mark Mitchell from FSC Investment Services Ltd, 65 Waterloo Road, Wolverhampton, WV1 4QU.


We will look at your current Investments, your income, your personal circumstances, your wishes for the future and put together a well-balanced, diversified, tax efficient portfolio that meets your personal needs.

What can I expect?

By actively managing your portfolio, whatever its size, we aim to return you rates of interest in excess of those you can get from the Banks or Building Societies. Over the past twelve months our clients have typically received growth on their Investments of up to 10%. Is this better than what you got from the Banks and Building Societies?

How much money do I need to Invest?

Whether you have ten thousand pounds or ten million pounds to Invest, your money is important and we will aim to Invest it in the right place, at the right time, all of the time.

Why FSC Investment Services Ltd?

We provide a free, no nonsense, no obligation initial meeting at our offices in Wolverhampton. If you don’t like what you see then don’t do business with us. We are confident that you will like us and you will like what you see. Give us a call on 01902 422333, can you afford not to?


Financial Seminars

24th September 2015 – 3 pm The Mount Hotel, Mount Road, Tettenhall, WV6 8HL

29th October 2015 – 7 pm Fairlawns Hotel, Aldridge, WS9 0NU

3rd December 2015 – 2 pm The Molineux, Wolverhampton Road, WV1 4QU

Come and join us for a free, no nonsense, no obligation look at the world of savings, investments and Independent Financial Advice.

RSVP – 01902 422333 or 



Frank on Big Centre TV

Watch me on Big Centre TV, Freeview Channel 8, Friday 11th September 2015 at 730 pm.

I will be talking about the world of Independent Financial Advice and my Company FSC Investment Services Ltd.

You go to the Doctors for your health needs, the Dentist for your Teeth so why not an Independent Financial Advisor for your wealth needs?

Give us a call if you would like to have a free, no nonsense chat – 01902 422333