Financial advice on pensions, investments, protection and mortgages
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, which is directly authorised and regulated by the Financial Conduct Authority (No. 474163). Its advisers work by phone or video, wherever you are in the UK.
What Buzz Financial Services advises on
Every serviceWhat you are building
What you are protecting
What advice costs
Every fee is agreed with you in pounds, in a client fee agreement, before any work that is charged for begins.
- Health checkNo cost
About an hour with an adviser by phone or video, and a written summary.
- Pensions and investing3.5%
of the first £100,000, and less on each band above, with a £1,000 minimum.
- Ongoing advice0.75% a year
on the first £500,000 for Core Plus (minimum £600), or 1% for Comprehensive (minimum £1,000). It is optional and you can stop it.
- Mortgage advice£495 to £1,500
depending on the mortgage. Protection carries no advice fee: the insurer pays commission.
| Amount invested | Initial fee |
|---|---|
| £50,000 | £1,750 |
| £150,000 | £5,000 |
| £300,000 | £9,000 |
| £750,000 | £15,000 |
| £1,500,000 | £21,250 |
| Portfolio | Core Plus | Comprehensive |
|---|---|---|
| On £75,000 | £600 | £1,000 |
| On £150,000 | £1,125 | £1,500 |
| On £600,000 | £4,250 | £5,600 |
For business owners
Running a limited company
Paying into your pension from the company.
Selling your business
Capital gains tax on a sale, and business asset disposal relief.
Personal guarantees
The liability you take on when you sign one, and cover for the debt.
Business funding
Loans, asset and invoice finance, commercial mortgages, equity and grants, searched through Swoop.
Business grants
Open UK government grants, sorted by closing date.
Business savings
What the business pays for banking, insurance, energy and international payments, compared with other providers.
Funding searches run on Swoop’s platform. Swoop Finance Limited is a credit broker and not a lender, and is authorised and regulated by the Financial Conduct Authority (FRN 936513). Buzz Accounting Ltd introduces businesses to Swoop and may receive a fee from Swoop when funding is arranged. Business funding is separate from the financial advice Equity & General Financial Services Limited gives through Buzz Financial Services. Finance is subject to status, and a lender may ask a director for a personal guarantee.
How advice works
Complimentary health check
An hour with an adviser by phone or video, at no cost to you.
Your written summary
What you hold, what each part is doing and what is missing, including the parts that need no change.
A recommendation and its price
If anything needs doing, you get the recommendation and the price in pounds, and you decide.
Reviews
With ongoing advice the plan is looked at again every year, and sooner if you change jobs, move house, inherit, get ill or sell a business.
The advisers
Sunny and Tony give independent financial advice and Mike advises on mortgages and equity release. All three are on the Financial Conduct Authority register, which you can check before you speak to anyone.
- Sunny BharjIndependent financial advice
- Tony SpringerIndependent financial advice
- Mike ChanDirector of Mortgages & Commercial Finance
- Carlo De StefanoClient Relationship Director, who arranges your first meeting
Money coaching and financial planning
Buzz Money Coach helps with spending, saving and money habits, starting with free tools and moving to coaching if you want it. Buzz Financial Planning projects every year to age 100 with the tax worked out, and shows what would make the money run out. Both are run by Buzz Accounting. Coaching and financial planning are not regulated financial advice.
- £299Money Road Map, a twelve-month plan in writing
- £19 a monthCoaching, paid quarterly
- £1,500Financial Plan, or £1,200 for Buzz Accounting clients
Where a decision needs a regulated recommendation, Buzz Money Coach and Buzz Financial Planning can introduce you to Equity & General (FCA 474163) through Buzz Money Ltd’s introducer agreement. The introduction is optional. If you become their client, E&G pay Buzz a commission, and you are told before the introduction is made.
Book a complimentary health check
An hour with an adviser by phone or video, at no cost to you, and a written summary.
Regulatory information
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, which is directly authorised and regulated by the Financial Conduct Authority (No. 474163). The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk. Head office: 2 Charterhouse Mews, London, EC1M 6BB. Registered in England (03314593).
The value of investments and any income from them can fall as well as rise, and you may get back less than you invest. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity release reduces the value of your estate and may affect entitlement to means-tested benefits. The Financial Conduct Authority does not regulate tax advice, trusts, will writing or some forms of estate planning.
Buzz Accounting Ltd is not authorised by the Financial Conduct Authority and does not give regulated financial advice.
Regulatory information in fullAccreditations and partnerships
