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Our Services

As a digital IFA, all our meetings are held securely online. The first thing that will happen is that your adviser will contact you to setup a call. Held online via a secure audio-visual link, your adviser will undertake an initial fact-find to identify your needs and requirements. Having been familiarised with your circumstances, the adviser will guide you through a number of potential solutions to your goals and will then recommend a level of service that will be tailored to your needs. Once presented with the potential solutions, should you then decide to proceed, the adviser will then move to stage two – a detailed analysis of your data that will be presented with a personalised set of recommendations during a second online meeting.
We are both an IFA and a Fintech! In many ways Fintuity is a completely unique company – we are primarily a digital IFA but were founded by an experienced team of individuals with an extensive background in the financial sector. To put is simply, Fintuity is a hybrid business that is both a finance and technology firm – we take the very best from both the traditional IFA industry and combine our finance expertise into a unique digital platform.  
Unlike a traditional IFA, Fintuity is an online adviser that provides a full range of financial advice via a secure link to our clients. We provide a comprehensive suite of advisory services that includes investment, pension, mortgage, life insurance and general insurance though to inheritance tax planning. Depending on your financial needs, we can either focus on specific area such as retirement planning or advising on a new ISA investment through to the provision of a full financial review and creation of a bespoke financial plan for you and your family. If you require a specific service which we can not currently provide, we will refer you to one of our platform-integrated partners. Either way you will always remain a valued customer and receive all the benefits of the Fintuity community.
Fintuity is completely different platform to a robo-adviser. Robo-advisers include some well know market platforms such as Nutmeg, Moneyfarm and Weathify, but whilst they do not actually provide bespoke financial advice, they can supply generic financial advice, investment and product recommendations. To this point many people would have have had some interaction with a robo adviser as it provides a fairly straightforward online platform and set of model portfolios to the client for those that know what they want to do with their assets. Fintuity is a completely different platform, as behind every call and interaction is a fully qualified adviser that can provide a fully bespoke digital service including retirement and pensions or a full financial review. Fintuity provides a full scope of financial advisory services and can help with many of your financial requirements. We can help you plan your retirement as well as advise on life and health protection and help you to find the best mortgage deal. Starting with a comprehensive financial plan for you and your family, we provide a fully digital IFA service.
Traditional financial advisers are expensive Financial advice in the UK is one of the most inefficient and technology-lacking sectors, with the majority of business being conducted out of small private practices. This leads to high commissions, meaning that for many people, such service becomes inaccessible. Here at Fintuity we optimise every step of the advisory process to bring you a good quality service at a fraction of the cost of your local financial adviser. We run our business completely online meaning we do not have huge overheads such as travelling, paperwork and administration. Quality of advice from a small local IFA practice could be very poor A normal advisory practice consists of 3-5 people, who spend a lot of time travelling to their clients and handling tons of paper documentation. They lack resources to do quality research, most of the time relying on product providers they regularly work with. Fintuity’s centralised research team constantly monitors the market to bring you the best products that are available out there. We value every client Due to the nature of the business, traditional advisers target clients with at least £200,000 of investable assets. That is the point at which you become a “valuable client”. At Fintuity we strongly believe that good quality financial advice should be available to everyone, irrespective of the size of your savings and investments. Funnily enough, for people with less income, it may be more sensible to have a good financial plan than for their wealthier counterparts.

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Keep up-to-date with the latest finance and industry news & analysis with our blog!
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Opinion Piece: 2022 & The Road Ahead, Will Governments Around the World Keep Continuing to the see the Light?
This piece has been authored by Fintuity’s Head of Strategy, Ed Downpatrick – All views and opinions are solely those...
Fintuity Featured in the Times & Guardian 2022 Checklist!
Fintuity is proud to announce that we were recently featured in the Saturday Guardian and Saturday Times annual checklist! Introducing...
Myths & Facts – Investing & Developing an Investment Portfolio
Investing means many different things to many different people – investment opportunities are varied and have a common perception as...
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Frequently Asked Questions
Should you have any queries about our services, fees or for any other matter please see below some of our most commonly asked questions. If you cannot find an an answer to your query please do get in touch. For more information and help please check out our Blog and Knowledge Base.
What is the difference between traditional financial advice and Fintuity’s virtual guidance service?
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Traditional advice is given by an FCA regulated financial adviser. They can review your goals and objectives to provide you with a bespoke recommendation. Our virtual driven guidance solution is based on sophisticated AI. Fintuity’s Virtual guidance tool uses your inputs to highlight potential shortfalls, allowing you to make an informed choice. Fintuity provides either of these services to our clients and if you have any questions please contact us at support@fintuity.com
Is my personal information secure?
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We take the privacy and security of your data very seriously. Fintuity takes all precautionary measures to ensure that your personal details are secure, compliant and safe from third parties. Your personal details, account data and all supporting information are fully encrypted and stored on secure servers.
How much does this cost?
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Fintuity’s virtual guidance service is a complimentary tool. The only fees you could pay are potentially product/provider fees dependant on your choice of product or provider.
If I decide to act on the choices I make can I cancel?
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Usually if you decide to cancel your chosen investment or pension with the product provider you have the right by law to cancel within 30 days. Please see the specifics of the product providers cancellation information which will be available to you when you invest. For life insurance policies, if you decide to cancel your chosen policy the 30 day cancellation will begin from the time that you were informed by the provider that the contract has been concluded or from the day on which you received the contractual terms and conditions from the provider. Please see the specifics of the policy providers cancellation information which will be available to you and part of your policy documents when you take out your policy.
Refunds after cancellation
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If you cancel, then you should receive a refund of the money you have paid within 30 days of the provider receiving your cancellation. The provider may make a deduction from the refund in relation to any services which it has provided to you during the cancellation period. Any deduction must be reasonable and can only be made if you started to receive the services before the 30 days were completed. You have a legal right to cancel your ISA or investment if you change your mind; you can do this within 30 days of the date you receive your email confirming the establishment of your ISA or investment. Please be aware that if funds have been invested within the 30 day cancellation period your investments may fall in value and you may get back less than the original value of your investment. Please see the cancellation policy that would be provided to you when you took your initial plan or policy out.
If I have any questions about the choices or investments, who can I speak to?
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At any stage throughout your process you are quite welcome to arrange a complimentary meeting with one of our independent financial advisers who can provide regulated financial advice and would highlight any fees or charges that may be applicable should you wish to proceed after your initial meeting.
Book a free consultation
Your first consultation is completely free of charge - all you need to do is to select a convenient time & date and outline how we can assist you.