Home » About Apex CB » How We Work

How We Work

Obtaining financial advice can be a daunting process and we want to make it as easy and straightforward as possible for you.

Our aim is to ensure that you are kept informed at each stage of your discussions with us, and we only move forward when you are ready to.

 Process image


When we first meet, we will discuss your aims and needs in general before going on to conduct a thorough financial review. The first consultation is at our expense and you are under no obligation to proceed further. You will be made aware of our charging structure prior to any subsequent work being undertaken. You should allow up to 2 hours for us to thoroughly understand your needs and objectives.


During the research process the adviser and researcher will undertake a detailed analysis and discuss your needs. Using the latest software we will select options from the range of financial products and services to provide a bespoke solution. We will then produce the documentation to implement the advice, including personalised quotes and key features documents. If appropriate, we will provide a full report of our recommendations for discussion with you at the subsequent meeting. Depending on the complexity of your requirements will depend on the amount of time spent and therefore the cost. 4-6 hours is typical
for this stage.


At the next meeting we will discuss our research and explain how our recommendations meet your needs. If you are ready we will then complete the necessary paperwork and set up your personal client website. We then ensure that all of your paperwork is in order and undertake a compliance check to make sure that we have met the requirements of the Financial Services Authority and other regulatory bodies, which includes verifying your identity and home address.


Over time your life changes and reviews are the way that you maintain your financial plans, in the same way that you would maintain your house or car.

We deal with your plan administration and keep you informed of important developments. This includes dealing with product providers, producing valuations
and analysis, and may include review meetings to keep your planning on track.

We guarantee that:

  • The initial consultation meeting is at our expense and you are under no obligation to proceed further
  • We will be open and transparent about our costs
  • We will keep you informed through the process

We aim to offer you a service that will not only meet your needs but be affordable and competitive in the current marketplace.

We cost each stage of the advice process along the way so that you can see what the charges will be before you commit to go ahead. You will be asked to agree in writing that you are willing to pay for any work undertaken, whether you go ahead with our advice or not.

You can read our full terms of business here.

Share on FacebookTweet about this on TwitterShare on TumblrPin on PinterestShare on LinkedInShare on Google+Email this to someone


“As a serving Royal Marine a former work colleague introduced me to Apex CB Financial Planning Ltd a couple of years ago. Since the introduction I have used Apex CB …

+ Read More

“My wife and I have used Chris for a considerable number of years to provide financial expertise which has been extremely accurate, trustworthy and useful in our financial planning. I …

+ Read More

“Chris has consistently added value to the client relationship when I have introduced him. He has a good manner with the clients, reassuring the nervous and speaking on equal terms …

+ Read More

“I have been using Apex CB financial planning for a number of years now and have always been impressed with the service provided and the recommendations made. One specific example …

+ Read More

“It is always reassuring and comforting to receive comprehensive and professional advice regarding ones savings and investing plans for the future. These sentiments have been developed during my association with …

+ Read More

“I completed my service with the Royal Navy in 2009 and was in receipt of my end of services gratuity and pension. Chris was recommended as a financial adviser with …

+ Read More

“Chris Ryan has advised me over the years on various financial aspects, I have found his knowledge on investments, pensions and other financial matter to be very customer focused. His …

+ Read More

"My wife and I have enjoyed the financial expertise of Chris Ryan for the last ten years. We have found Chris to be a thoroughly professional advisor who takes pride …

+ Read More

"I cannot praise Apex CB highly enough. Our investment was modest but with continued guidance and complete trust in Chris Ryan and his team has meant that as a widow …

+ Read More

"As to your part in the LTM process, Liz, it was very professional, very friendly and went without any noticeable hitch. My few minor questions were answered fairly and where …

+ Read More