The Human Factor

As a firm Herbert and Webster is regulated and directly authorised by the Financial Conduct Authority to give independent financial advice. What makes us special is our team of dedicated individuals working as a team in a culture that prioritises the investor and uses the most up to date knowledge and practices to give our clients the very best service.

 
 

Holistic financial planning

The word holistic perfectly describes how we go about financial planning. We consider all aspects and scenarios to give you a living blue print that will bring unequivocal added value to any stage of your financial journey, from the beginning and all the way through.

What’s our mission, Captain?

Understand our mission and our vision of how we want to change mind sets about investing. See how we want to enhance the financial profession and how we aim to be at the forefront of an ever-changing world and why we can become your adviser for life.

 
 

It’s simple! We are independent

We work for you, not the product providers. We look at the whole market and what you need and the goals that you have set for yourself and for us. We are truly independent and listed on the FCA (Financial Conduct Authority) register as an independent financial adviser.

How do we meet?

We are based at the Oxford Science Park just to the south of Oxford where we can promise you very nice biscuits and a warm welcome. If Oxford is not suitable then we do have access to offices throughout the UK via the Regus Office network and if it is easier for you we are more than happy to meet you at home, at work or wherever suits you. We can even have a discussion via video conferencing if you prefer. We are happy to fit in with your schedule and meet at a time and place that suits you.

 
 

The advice process

To make sure that we deliver everything that we promise we have a robust and proven system in place that is reinforced with a detailed document that shows exactly how we progress from our first meeting all the way through to you joining us as a client.

Transparency

In everything we do we aim to have complete transparency so that everything is clear for you and there are no hidden surprises or shocks. You can even see our complete client agreement on this website including full details of how our charges are calculated. We fully understand that discussing fees can be a delicate matter so we aim to make sure that we are open and honest about our charges.

 
 

How can we promise such a great service and ensure a small team can deliver it?

We have invested and continue to invest in technology. By having the latest software and access to the most up to date data we can adapt quickly and stay ahead of the game in a fast changing world. Technology allows us to constantly review markets, to look at new and existing products and providers or investment solutions. We can keep abreast of new and impending financial legislation or economic and politically driven changes. Gone are the days of a dark, secret industry both for us and for you!

CIP?.. What is that?

CIP stands for Centralised Investment Proposition which is basically a standardised approach to advice and decision making in the world of investment. It is the backbone of our investment solutions and as an independent advisor we use an unbiased partner in Financial Express to power the process for us. As an industry leading investment ratings and research agency, FE help us to help you make better investment decisions.

 
 

What crystal ball do we use to plan for your future and achieve your goals?

No one knows what the future holds, but we should all consider our financial situation and plan for the future. From this plan, certain financial goals will emerge which will establish how much you can save and spend. This is where we come in. We use our knowledge, experience and financial tools to build a living blue print for you to meet these goals, we help you ensure that the plan is realistic and that it allows for unexpected changes in circumstance because they can and do happen. With regular reviews, we can make sure that life changing events such as career moves, a house purchase, a child or a parent needing care can be incorporated in to your financial and protection planning.

The PFP App

We’ve all tried to create an excel spreadsheet that captures all our financial data and keep it updated so we know where we stand and for some of us, they have lasted as long as a New Year’s Resolution… Great news! Our portal automatically keeps an up-to-date record of all your transactions under one roof which helps to track your affairs and budget and therefore the progress towards your goal. A few added features we love are secure email and a document vault…

 
 

Your adviser

Your adviser works with you and makes sure that we learn about you, your situation, your needs and your goals. If we fully understand your financial position we can build the right financial plan for you. If we understand your needs and circumstances we can also help make that plan adapt to changes in your life and if needed put you in touch with other specialist advisers. It is like a partnership and, if needed, our adviser is there to help you along the journey not just at the beginning.

We know our limits

Just to be clear, our expertise is in giving good financial investment advice and we are not here to write your will or fill in your tax return. If specialist advice is needed we can of course help using one or more of our many contacts. We have an approved list of third party advisers such as accountants, solicitors, mortgage advisers, etc. and we are always happy to help with an introduction and round the table meeting. We also see that if it benefits you we can also benefit and that is why we are happy to contribute towards the extra cost of such advice as confirmed in our terms and conditions.