Our philosophy

Our philosophy is to allow you to understand your finances so that you are comfortable with your financial decisions. We want to educate you in this complex world so you can confidently reach your goals. Our advice is professional and straightforward, and we never use complicated jargon.

We are members of the Institute of Financial Planning, which is the leading professional and ethical body for financial planning practitioners. The IFP certifies, upholds and monitors the professional standards of Financial Planning Practitioners to protect the interests of members of the public, thus ensuring that they receive proper Financial Planning advice from its members.

We offer you more than the 'traditional' Independent Financial Adviser. We aim to work with you on a regular basis so that you get to your financial goals efficiently. We offer 3 distinct services, which allow you to select the level of involvement you require from your adviser, depending on your needs.

-- About us -- Our philosophy -- Key staff -- Why advice? -- Advice process -- Our fees -- Research tools -- Our location -- Testimonials --

The benefits of using Woodruff Financial Planning

Free initial consultation
We offer you the opportunity to discuss your situation with us before committing to our process. This is without obligation, and completely confidential.

A coherent process
If you become one of our clients you will receive the same quality of advice every time. We operate to strict processes and procedures so that you get consistency across the board. You can select from 3 core services to choose the level of involvement that suits your needs. Click here to read more about our advice process.

Advice, not sales
You come to us for financial advice, so we deliver this without the need to sell you products unless you want us to arrange them for you. Most independent financial advisers are simply looking for the next sale, so they can get paid the maximum commission, and this often leads to a conflict of interest between you and the adviser. Since we do not work that way you can be secure in the knowledge that with our process you get advice, expertise and experience, rather than product sales.

Choice
We offer you flexibility regarding how to access our services. This means you will be able to select the payment option which bests suits your circumstances. We will be open and honest with you over our charges, and we will discuss this with you before you make a commitment. That way you can decide which payment method benefits you the most. We can operate on a fee only basis, where any commission goes back to benefit you, or you can ask us to take extra charges through recommended products to pay for our advice. Click here to find out more about our fee-based approach.

Research
We believe that true independence from product providers can only come from comprehensive research facilities. Many advisers use insurance companies to aid them with their research, and with this comes inevitable product bias. We spend thousands of pounds each year to keep our research capabilities completely separate, and have a wide variety of dedicated research tools. This enables us to recommend the right solution for you, end demonstrate why we have made a particular recommendation. Click here to read about our research capability.

Click here to download our client brochures.

Click here to contact us.