Independent Financial Adviser Abacus Associates
Independent Financial Adviser Financial Conduct Authority Abacus Associates Group Website
Wealth and Advisory Services
Companies and Self Employed Services
Mortgage and Protection Services
Wealth and Advisory Services
Companies and Self Employed Services
Mortgage and Protection Services
Financial Advisors
Huw Davies DipFA
Independent Financial Adviser
Tel: 07939 021004
Darren Hopkins BA(Hons) DipIP
Independent Financial Adviser
Tel: 07971 579466
Ian Jessop Dip CII
Independent Financial Adviser
Tel: 07554 440018
Current Markets

About Abacus Associates

At Abacus we believe it is very important to distinguish the Independent Financial Adviser from the other types of financial adviser that exist in today’s market place

An IFA is a type of adviser absolutely free to advise clients in the whole of market arena. "Whole of market" is a phrase that describes the ability of the IFA to advise in all areas and more importantly to have no restrictive ties to any particular organisation or type of product or advice process.

At Abacus our advisers truly work for their clients, seeking out the best solutions in whatever areas are appropriate. Other advisers that exist may well have their own significant attributes but IFAs are the only ones that are truly independent. Financial advisers working for banks or insurance companies are restricted in the extent of the advice that they can give. In many cases these advisers will be representatives of the companies that they work for and their advice serves to direct the client to their company’s solutions, arguably, even if those solutions are not the best in the market.

Other professionals and advisers are often hand tied in other ways. Stock brokers, for example, unless they have an IFA department to their business, will only be licensed to deal in stocks, shares and similar types of investment products. Accountants are specialists in tax and accounts, and again, unless they have also extended their business to an IFA licence, which the vast majority have not, they will only be able to consult on accounting and tax matters. Similarly, solicitors are advisers on matters relating to the law and to legal requirements.

At Abacus we are not pretending to be able to provide the direct solution to every requirement that a client may have. It is sometimes best to think of IFAs in the same way that you may think of a conductor of an orchestra. They act as the king pin, just as the conductor dictates the pace and style of an orchestra’s music, the IFA can conduct the client’s financial arrangements.

The conductor does not play the violins and blow the trumpets, and neither does an IFA individually provide the solutions in every area.

IFAs are generally not trustees of pension schemes and do not offer their own pension plans, but they are able to administer and advise the type of pension plan that is most suitable for a client and how this pension should be made up.

But once again, when it comes to the delivery of the pension service, the delivery will be dealt with by a suitable professional such as an insurance company, the IFA can direct which company should provide this service and the make-up of the overall arrangement. However the exact and precise service will be provided by the pension company itself.

IFAs are very special in this regard. Professional bodies often stop their members from using any other type of adviser, apart from an IFA. For example, solicitors are directed to only use an IFA, as opposed to any other type of financial adviser, when they are recommending their clients to get financial advice.

In Summary

  • Independent Financial Advisers are the only type of adviser who are able to advise across the board.
  • Independent Financial Advisers are highly regulated, trained, qualified and skilled.
  • All Abacus advisers will agree their remuneration with you in advance in a clear, transparent fashion, which you have to approve.
  • Abacus advisers use some of the best technology around to provide these services.
  • Abacus advisers exist to help you protect and increase your wealth.
Financial Services
Abacus Associates Financial Services Ltd is directly authorised and regulated by the Financial Conduct Authority. Abacus Associates Financial Services Ltd is entered on the Financial Services Register ( under reference 230342. There may be a fee for mortgage advice - A typical fee would be £495. The precise amount will depend upon your circumstance. Loans subject to status, value and type of property. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. The FCA does not regulate all forms of the products or services we provide. Your home may be repossessed if you do not keep up repayments on your mortgage or loan secured against it.
Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: