Author Archives: frank

Thursday 29th October

As you may be aware, we run a series of seminars for both existing clients and for potential new investors. These seminars are an important opportunity for us to be able to give a more in-depth analysis of the investment markets and to introduce some element of technical understanding of how certain taxation systems can be used to your advantage. It is also an ideal way of expanding your knowledge of how we manage your finances.

We have noted that some of our clients have either not been aware of the seminars or they have thought that they wouldn’t be appropriate for them.

It is with this in mind that we have decided to write to you personally to say:


These seminars are free and an opportunity for you to meet other clients. They are for your benefit and designed to keep you informed about matters that can and do impact on the money you have invested with us. Our next seminar is on Thursday 29th October at the Fairlawns Hotel, Little Aston, WS9 0NU starting at 7 pm. The presentation will last for around an hour after which light refreshments will be available. Please take a few minutes to mingle with us and our other guests.

We know that people don’t like turning up to an event on their own so please take this as an open invitation to ask a friend, relative or colleague to come along with you. We hope they will find the information useful and you can discuss the ideas with them in the car on the way home!

Come what may I’d love to see you there and you’ve probably never been to one of our events before. On this occasion I’d really appreciate you taking the effort to come along.

We will go through a number of quite important aspects of market conditions, expectations for the future and look at driving factors which make the markets move. We will also be discussing the four seasons of a persons life and how time can change a persons attitude to investing. We will look at the new inheritance tax limits coming into force in 2020 and how we can plan to move our estates into the hands of our family, free from Inheritance Tax. We will also discuss Long Term Care and how to make sure you gain the maximum benefit from local authority funding and still preserve your funds for you and your families benefit.

So, in a nutshell, we want you to come to the seminar and we feel there will be a lot to interest you. We feel that it will help you understand more about your finances and how we can help to secure you a better and safer financial future.

RSVP to 01902 422333 or


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

27th August 2015

FSC Investment Services Ltd

Wolverhampton Wanderers FC - Thursday 27th August 2015 at 2 pm.

Come and join us for a free, no obligation seminar to discuss your investments, your pension freedom, your wealth management and your financial future.

Can you afford not to?

Alternatively to book an appointment to see us call 01902 422333 or email

RISK is a four letter word

FSC Investment Services Ltd 

Formed in 1987, we are a fully independent, whole of market financial advisory service to discerning investors. Our clients are mainly individuals who require an honest and straightforward solution to their money problems. We have advisers who have specialist expertise in wealth building, secure money management, corporate and business financial planning and pension and retirement solutions.

Regardless of your age or your current wealth, our strategic investment management solutions may work for you. There’s a lot we can do to help you achieve the kind of wealth you could only ever have dreamt of.

For many investors RISK really is a four letter word, however if you allow us to manage your risk and let us invest in high-quality funds that have true growth potential, solid fundamentals and which operate in an expanding market we believe that this is a sensible way to invest. We make the difference by doing all the research, analysis and fund tracking for you; this means you potentially make better and more profitable choices.

At FSC Investment Services we believe that constantly trading markets is hazardous to your wealth. We also believe that people who weave in and out of markets trying to time the peaks and troughs are more than often buying ‘after the curve’ and getting it all completely wrong.

Our view is that people who think that investing is a guarantee to getting rich quick, is that it simply just doesn’t happen like that. As a regulated financial services firm we provide well-researched, recommendations and advice. We do not have a crystal ball and we are not recommending that you have a ‘punt’ on the next red hot share tip. We firmly believe in the ‘BUY AND HOLD’ philosophy, aiming for you to hold funds that have been performing well for the longer term. This should help reduce your transactional costs whilst maximising the possibility of enjoying long-term returns and reducing risk. We aim to provide an exceptional opportunity to build and protect your wealth over time, and work towards creating a lasting legacy for you and your family to enjoy.

Our Unique Selling Proposition is that unlike the vast majority of other Independent financial services firms we employ our own internal portfolio research and management team. The team are hand picked individuals who have proven track records of excellence in analytical research, fund management and portfolio construction.

Each client we have enjoys the peace of mind knowing that their portfolio is individually custom designed, strategically aligned and managed solely for them. We do not use off the shelf portfolios nor do we use ‘stock’ risk rated portfolios derived by platform providers. This guarantees that your fund is built to satisfy your needs and to take into account your own personal tolerance of risk and acceptable tolerance of losses.

We take account of the amount you want to invest, the amount of time you want to invest for and the purpose. Whether it be for income, growth or a combination of both, we look to find the most advantageous tax wrapper for your investment.

As a client you will always have access to our professional team – we are only a phone call away. If you would like to book an initial free, no obligation appointment to see one of our advisors then call 01902 422333 or email