Bernas Coni Warren: About Us




The value of pensions and investments can fall as well as rise. You may get back less than you invested. Tax treatment varies according to individual circumstances and is subject to change. The Financial Conduct Authority does not regulate Estate Planning and Inheritance Tax Planning.


A little bit about John Bernas ...
John Bernas has been providing professional financial planning advice since 1985. Bernas Coni Warren was founded by John in 1991: to provide clients with plain-English personal financial planning assistance, where the focus is entirely on you the client. John has helped to train various other financial advisers in technical areas, such as estate planning for Inheritance Tax. Back in 1985, John was one of the Founder Members of the UK's Institute of Financial Planning; is a diploma member of the Personal Finance Society; and follows a program of continuous professional development.


Financial Planning and You
You make plans when you want to achieve something.
But do you give as much thought to your financial future as you do, for example, arranging a holiday?
You're probably too busy with other things in life, and just don't have the knowledge or incentive to sort out the big, boring financial stuff.
That's where a professional financial planner can help ...
What is Financial Planning?
Financial planning is:
	Learning about you and your circumstances
	Helping you to clarify what it is you wish to achieve
	Analysing solutions, using expertise and experience
	Making clear recommendations, based on what's right for you
	Putting the recommendations into place
	Reviewing your position in the future - to monitor progress and cater for any changes
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Our Services
We can help you to organise your financial affairs; invest for the future; protect your financial well-being.
In terms of financial products, such as investments / pension plans / life cover / etc., we offer a range of solutions from over 30 different product-providers.
These providers have different products and/or funds we select from.
We are, if you like, your "buying agent" - selecting what's right for you personally. We work for you - not for a life assurance company or bank.
If making no change is the right answer, then we're happy to say so.
More objectively, we can help with areas such as:
	Your family's financial security Ensuring there will be enough money available for your family if you (or your partner) were to die prematurely.
	Mortgage-related life insurance To pay off the mortgage, and so get rid of the burden of its monthly cost if you (or your partner) die prematurely.
	Critical Illness Cover (CIC) Providing you with a cash sum in the event of surviving a major medical condition such as cancer or kidney failure.
	Educational fees planning Private education or university can be very expensive - so investing in advance is a wise action.
	Income Protection in case of ill-health Providing you with some replacement income to pay the bills, if unable to continue earning due to a serious accident or ill-health.
	Investments Helping you to invest for the future, bearing in mind your attitude to investment risk.
	Pensions planning for retirement Helping you to invest for when you're no longer earning: to be financially independent from having to work.
	Pension annuity and other 'at retirement' options Getting a better and suitably-structured retirement income from your pension fund savings.
	Business owners' share protection Ensuring that there will be money available for the business co-owners to carry on, in the event of a premature death.
	Estate planning & Inheritance Tax (IHT) Providing for your heirs: reducing your Inheritance Tax bill and/or creating a tax-free legacy fund for them.
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Our Clients
Our clients are men and women of all ages; and include business owners, employees, self-employed and retired people.
Our clients live in different parts of the UK, but most live in and around Bristol, since that's where we're based.
The one common theme is that our clients want honest expert advice which is in plain English, based on what's right for them, from an experienced and trustworthy professional.
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Expertise
Our tax-planning and financial planning expertise will help you with the most appropriate route to achieve whatever your aims are.
If/when needed, we can co-ordinate the expertise of relevant other professionals (e.g. accountant or solicitor) for you: to utilise their areas of specialist skills, when appropriate.
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Reviews
Every year there are changes in tax legislation ... different investment products come along ... and pension rules seem to change like the wind!
Your attitude to investment risk / volatility might change.
In addition, your circumstances and priorities might change: you might marry / divorce / move house / have children / retire / win the lottery (well, perhaps not) / become less able / inherit some money / get a promotion / etc. etc.
This means that most personal financial plans should be reviewed from time to time.
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Our Fees & Remuneration
	The work we do has the following key elements:
	- collecting and collating your financial details - helping to clarify your objectives - analysis - planning the solutions for you - researching suitable options - producing a recommendations report for you - financial organisation - arranging purchases and sales - reviews and adjustments - ongoing assistance if/when you need it.
	From these, it's the purchase of only some products which could generate remuneration paid by product-providers.
	As with anything else in life, our view is that it's not in your best interest for advice to be skewed towards product purchases simply because they could generate commission.
	If an investment or annuity which we're arranging for you can facilitate adviser remuneration, then we'll let you know in advance exactly how much that payment is likely to be.
ADDED VALUE:
A key benefit of the work we do for you is added value. This could be by way of tax-savings / higher pension income / better financial organisation / etc.
There are also less-tangible benefits: such as your comfort and satisfaction from arranging your important financial planning items in the right way.
We work for you: together, we can achieve the results which are appropriate for you personally, based on your individual aims and circumstances.
Please contact us if you would like any additional information.
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The editorial here does not constitute personal advice.
It reflects Bernas Coni Warren's understanding of current law and tax practice, and is without prejudice.
No liability shall attach.
Errors & Omissions Excepted.

www.BernasConiWarren.com
Phone

01275 83 73 03
7 School Close, Whitchurch,
Bristol, BS14 0DU

Bernas Coni Warren is a trading style of South Somerset Mortgages Limited
which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.
Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA Register under reference numbers 440703 and 440718 respectively.