FAQs

Yes, we do. We offer independent financial advice.

Yes, we are regulated by the Financial Conduct Authority. Our FCA registration number is: 190914.

Yes, you can. You can choose between meeting in person and meeting on a video call.

Face-to-face meetings are held at our Queen Square House office in Bristol. The full address is: Queen Square House, 18-21 Queen Square, Bristol BS1 4NH. Or a financial planner may be able to come to your home.

There is pay and display parking directly outside our office.

The nearest car park is The Grove, Harbourside, Bristol, BS1 4RB

Or there is the multi-storey car park Apex Parking Bristol Prince Street, BS1 4QF.

Ovation Finance has been providing financial advice since 2000. We recently celebrated our 25th anniversary.

We are based in Bristol and work with clients throughout the south of England. Some clients are as far away as Kent, and some are as far north as Nottingham.

We currently have four Chartered financial planners: Adrian Kidd, Andy Coles, Clémence Chatelin and Tom Morris.

Yes. We have held Chartered status as awarded by the Chartered Insurance Institute since 2018.

No, we do not. We do not hold Accredited status as awarded by the Chartered Institute for Securities & Investment (CISI).

Yes, we do. You can find client reviews, along with written and video testimonials, on our website under Client stories.

From the very beginning, our goal has been to break the link between selling financial products and providing advice. For that reason, we are financial planners rather than advisers, and our focus is on helping you become happier, not just wealthier, through financial wellbeing. You can find further details about who we help here.

Our FCA registration number is 190914. That is the reference number you can use to identify us on the register.

We are based in Bristol and work with clients across Bristol and the wider South West England area. We work with clients in Bath, Thornbury, Yate, Backwell, Clevedon, Nailsea, Yatton, Congresbury, Bridgwater, Glastonbury, Weston-super-Mare, Exeter, Taunton, Gloucester, Chippenham, Cirencester, Oxford, Oxfordshire, Kent, Fleet, Guildford and Greater London.

No, we do not. We do not advise on mortgages.

No, we do not. We do not advise on equity release.

Yes, we do. We advise on personal pensions.

Yes, we do. We advise on occupational pensions.

Yes, we can. We can help you consolidate multiple pensions.

Yes, we can. We can help you take your pension tax-efficiently.

Yes, we can. We can help with ethical or sustainable investing. You can also find further information here.

Yes, we can. We can help you invest an inheritance you have received.

Yes, we do. We advise on self-invested personal pensions (SIPPs).

No, we do not. We do not advise on final salary or defined benefit transfers.

Yes, we do. We offer advice on long-term care and later-life planning.

Yes, we can. We can help with Inheritance Tax planning and estate planning.

Yes, we do. We advise on investments such as ISAs.

Yes, we do. We advise on protection such as life insurance, critical illness cover and income replacement.

Yes, we do. The first meeting is at no cost to you.

You can find details of how we charge for financial advice on the fees page of our website. That page explains our charges.

You can find fee information on the fees page of our website. That is the best place to check our current charges.

We typically charge £1,250 for a financial plan. Please note that this figure is about to increase.

We charge a percentage of your investments. This is charged as a percentage rather than a fixed fee.

We don’t get commission* – it’s now an adviser charge. (*We do get commission on life assurance products)

No, we do not. We do not charge VAT.

You can find our fees here, which makes it easy to compare them with other firms. That way, you can decide for yourself whether they offer good value.

Our fees are shown clearly here, so you can look at them alongside other planners’ charges. It is a straightforward way to compare costs and see where we sit.

You can find our fees on the fees page of our website. That page sets out the information you need.

The Financial Services Compensation Scheme (FSCS) is the UK’s statutory compensation fund for customers of authorised financial services firms that are unable to pay claims against them, usually because they have gone out of business. You may be able to claim compensation from the FSCS if we cannot meet our obligations, although the amount available depends on the type of business and the circumstances of the claim. As a guide, eligible investment claims are usually covered up to £85,000, or £170,000 for a joint account, and eligible protection claims are usually covered for 90% of the claim with no upper limit; further information is available at www.fscs.org.uk.

If you are unhappy with our advice or any aspect of our service, we encourage you to contact us as soon as possible. We will do our best to resolve your concerns, and we can provide details of our complaints procedure on request. If you are not happy with our response, the Financial Ombudsman Service may be able to help.

Please see the privacy pages in the Client Agreement. That is where we set out information about personal data.

Yes, we are. We are insured to give financial advice.

You can check our details on the Financial Services Register by visiting the FCA website at www.register.fca.org.uk or by calling 0800 111 6768. Our FCA registration number is 190914.

Yes, we do. You can find client stories and case studies on our client stories page

We measure client satisfaction through regular client reviews via VouchedFor. This feedback gives us an ongoing view of the client experience.

We are Chartered Financial Planners, B Corp Certified, and an Accredited Practice Member of The Institute for Financial Wellbeing. We also won the Money Marketing Award for Small Adviser Firm of the Year in 2024 and 2025. These accreditations and awards reflect the standards we aim to uphold.

Yes, we are. We are featured on VouchedFor.

Potentially, yes. This is something we may be able to help with.

Yes, we can. We can help you plan your retirement.

We are willing to chat with anyone to see if we can help. Typically, we work with people approaching a transition in life, such as retirement, a change of career or selling a business. We help them through that transition and work to ensure they have the money they need to live the life they want.

Potentially, yes. This is something we may be able to help with.

Yes, we do. We work with company directors and self-employed clients.

Yes, we do. We work with clients who are approaching retirement and those who are already retired.

Yes, we can. We can help clients who have inherited money.

Yes, we can. We can help clients who have sold, or are in the process of selling, a business.

Yes, we can. We can help clients manage their finances after a bereavement.

Yes, we work with business owners, retirees and professionals.

No, we do not. We are not regulated for non-UK residents.

Yes, we can. We can help if you already have investments or pensions elsewhere.

No, there is not. There is no minimum amount of investable assets or income you need in order to become a client.

You can book an initial meeting by calling 0117 942 4333, emailing enquiries@ovationfinance.co.uk, or using the contact form on our website. These are the ways you can get in touch to arrange that first conversation.

No, you do not have to pay for an initial meeting. The first meeting is at no cost to you.

You do not need to bring anything formal to an initial meeting. Just bring a willingness to chat with us.

The first meeting is informal. We will listen to you so we can understand you and your needs.

You should generally allow around an hour for an initial meeting. That is the usual amount of time to set aside.

No, you do not have to sign up to our services at an initial meeting. Your planner will explain how we work and what the next steps would be, and you can then take time to think about it. Some clients sign up straight away, while others prefer a little more time.

Yes, we do. We have two female planners you can work with, Clara Jenkins and Clémence Chatelin.

If your financial planner is away on holiday, another planner will be able to help you as needed. Our team works together, so you will still be supported.

You will hear from your financial planner as often as needed. We also carry out yearly reviews.

Yes, we do. We offer cashflow forecasting and planning as part of our service.

If your circumstances change, let us know. We will work with you.

Yes, we can. We can work alongside your accountant or solicitor.

Yes, we can. We can coordinate with your mortgage adviser if they need information from us.

If your financial planner leaves the firm, we will introduce you to another suitable planner. The wider team works together, so you will continue to be supported as needed.

Yes, you can. We can show you an example of a financial plan.

Yes, you will. You will be able to see the value of your investments online through our client portal.

Yes, we do. Our client portal is called MyOvation, and we will help you access it.

You will meet with your financial planner as often as needed. We also carry out yearly reviews.