Independent Financial Advice - Words of Wisdom and Guidance

In this blog Emma Crossick talks to Alan Moran about his harrowing experience of a recent and severe fire at his home. The fire brigade believe this was a caused by a faulty phone charger. After going through this he talks about what you need to think about just in case it happens to you.

Emma Crossick talks to Alan Moran from Interface Financial Planning about his recent experiences with insurance claims. Firstly his car was involved in a collision and then there was a major fire at his home. These incidents have meant a lot of contact with insurance companies to settle claims. Listen to find out more.

Emma Crossick talks about how important it is to have a financial plan even if you don't start one until later life.

It upsets us greatly here at Interface Financial Planning when we hear of Financial Advisors turning less fortunate people away when they ask for help.  They seem to believe that because the person who's asking for help has no money, they aren't worth helping! They seem to forget that we all started out that way. Emma Crossick tells us why it is worth helping.

When Alan Moran first met Tim in February 1999, he needed financial advice. They were introduced by another client and had never visited a Financial Adviser before, but Tim felt it was time to organise his finances and plan for the future. Emma Crossick takes up the story

“I would never have been able to do all of this without your help.  You've been so good to me over the years.” That's what one of Alan Moran's clients, Caroline said to me recently.  Her words moved him, especially as she's been a client for over 30 years. Emma Crossick take up the story on how Alan helped Caroline.

This is the story of friendship and financial advice. Martin was one of Alan Moran's first clients when he first became an independent financial advisor and became a very good friend. Emma Crossick takes up the story.

Roll back 20 years to October 2002 and Alan Moran had the privilege to meet Margo, a delightful lady who he is proud to still call my client today.  Emma Crossick tells Margo's story.

This is an interesting story about Fred, who'd come over from Jamaica on the Windrush when he was a teenager. As you can imagine, he arrived with absolutely nothing and yet he'd manage to build up a significant investment portfolio independently with very little advice.  Max Crossick takes up the story

Peter is a client very close to Alan Moran's heart and he is delighted to say that he has managed to make a huge difference to Peter's life. His own story is an emotional one, a real rollercoaster and he's had many challenges to overcome. Emma Crossick takes up to story.

If you've ever doubted that you can reach your financial goals and make your dreams come true, this genuine client story about Zoe will give you the boost you're looking for! Emma Crossick explains more..

This is the story of Aaron, Frances and Colin all of who have a similar story to tell about Interface Financial Planning. Emma Crossick explains more..

In this episode Emma Crossick talks about two contrasting stories. Firstly she talks about Nyasia who is flourishing financially by taking the advice of Alan Moran at Interface Financial Planning. On the other hand is Cynthia who while remaining a client seems to go her own way when it comes to advice.

In this episode Emma Crossick talks about how we all make mistakes but how they can sometimes lead to success. This is the story of Brian & Elena. Brian signed up to a pension plan which he discovered was a mistake. Alan Moran came to his aid and proceeded to help.

In this episode Emma Crossick taalks about how Interface Financial Planning has helped Monica. After her husband left her, she was in need of some friendly and unstanding support with her finances. This is where Alan Moran stepped in to help.

Daphne came to Interface Financial Planning for her first meeting just about 15 years ago. She'd had a successful career and a relationship “Down South” but the failing health of her mother had brought her back to her hometown, Birmingham to act as her mother's carer for her last couple of years. Listen to how Alan helped Daphne on her life journey.

In this episode Emma Crossick talks to Alan Moran about how he has been analysing the costs of running his electric car and also feeling a little smug every time that he drives past a garage and sees the rising cost of petrol!

In this episode Emma Crossick talks to Alan Moran about how he has become an authorised advisor for funeral planning by the FCA. Funeral advice in now regulated and as such has made Alan to jump on board and get authorised. It's not a subject many people want to talk about but as you will hear it's very important to do so.

In this episode Emma Crossick talke to Alan Moran about how his website is becoming a centre for education and financial knowledge. Not just for his existing clients but for anyone visiting his website and wishing to learn

In this episode Emma Crossick talks to Alan Moran about how a recent incident involving his web site has made him think about his online security. By following some simple rules you can stop the scammers from accessing your data.

In this episode Emma Crossick talks to Alan Moran about how there is a real difference between cost and value when it comes to peoples finances.

In this episode Emma Crossick speaks to Alan Moran about how a recent close call in a car accdent has made him reflect on his own mortatility and the future of his business.

In this episode Max Crossick talks to Alan Moran about how important the first team meeting of the year is and goes on to introduce you to the rest of the Interface Team.

In this episode Emma Crossick talks to Alan Moran about how he has been feeling recently and how taking time to sit back and look at the wider picture is impotrant.

In this episode Emma Crossick talks to Alan Moran about how the future of Interface Financial Planning looks in great shape. The main reason for this optimism is that Alan's son Tom has recently qualified as an IFA and is already a well know face with Interfaces clients.

In this episode Emma Crossick talks to Alan Moran about why new clients to Interface Financial Planning have to have their Wills and Lasting Powers of Attorney in place. This not only puts your mind at ease that your affairs will be in order if you die. It is also eases the burden on your family when dealing with your affairs after you have gone.

In this episode Emma Crossick talks to Alan Moran about how the prices at the pump are increasing and what inpact this has on the cost to our journeys. They also discuss the need for control of your money management and understanding of where money is coming in but also where it's going out to.

We live in the truly exciting age of technology. Alan Moran just loves it and in this episode he talks to Emma Crossick about how he uses tech.

In this episode Emma Crossick talks to Alan Moran about how he has streamlined his business and how this has affected the productitivity of the team within Interface Financial Planning.

In this episode Emma Crossick talks to Alan Moran about how important our carbon footprint is. If we care about the future and the type of world our children and grandchildren are going to be living in, then the how big is our carbon footprint question is one we should all be asking ourselves.

In this episode Emma Crossick talks to Alan Moran about the online tools available via the Government website. These days, more and more tools are being made available online so it's a good idea to take advantage of what's available. If you want to put yourself in control and have easy access to what the government has available, it is crucial that you register on the Government Gateway.

In this episode Emma Crossick talks to Alan Moran about Crypto Currency. We have all heard about it; it certainly creeps into the news more regularly than ever before and perhaps you're even tempted to invest in it! However, ask yourself – do you really understand it?

In this episode Emma Crossick talks to Alan Moran about ethical investing and how he has transferred all his clients investments into ethical ones. They also look at how ethical investments have out performed the more traditional investments.

In this episode Emma Crossick talks to Alan Moran about investing in renewables. Did you know that investing in renewables gives you a better return on your investments than traditional investments? Actually, more than that, ethical investments are so vitally important because of the environmental issues that our planet faces.

In this episode Emma Crossick talks to Alan Moran about the differences between Life Planning and traditional Financial Planning. They also look at how Life planning is not only about your financial postion but also your aspirations for the furture.  

In this episode Emma Crossick talks to Alan Moran who is calling on all businesses to improve their efficiency using outsourcing, not only to boost their productivity and profit margin but also to deliver better service to clients and customers.

In this episode Emma Crossick talks to Alan Moran about how vast sums of money is stittng in lost or forgotten about pensions. If you have a lost pension, that money belongs to you and this blog could can help you find it.

In this episode Emma Crossick talks to Alan Moran about how clients can be vulnerable to scams. They also discuss how earlier this year the FCA launched guidance for Financial Advisors relating to the fair treatment of vulnerable clients.

In this episode Emma Crossick talks to Alan Moran about how you can be in control of your finances. They discuss how Interface Financial Planning offers an online system to all of their clients (and their non-clients too) where you can see the values of all your investments, pensions, bank accounts, shares and all of your national savings (premium bonds and the prizes if you've won!) in one, easy, accessible place.

In this guide Orry Henderson talks about how a legacy planning exercice can be benificial for those who wish to protect their financial legacy and help future generations of their family.

In this episode Emma Crossick talks to Alan Moran about how important funeral planning is. People like to put off things that make them uncomfortable but it is important not to ignore it because the end is unfortunately inevitable. Having a plan in place relieves alot of stress from the bereaved and makes sure that your wishes are carried out after your death.

In this episode Emma Crossick talks to Alan Moran about common misconceptions about financial advisers. Financial Planning is NOT about flogging pensions and investments, it's about looking after people's money and advising them as best as possible as to how they can live as they want to with money in their pocket.

In this episode Emma Crossick talks to Alan Moran about NS&I Premium Bonds. There are countless people out there who are unaware that they have Premium Bonds some of which have had winnings attached to them. Unlike the Lottery, Premium Bonds and their winnings don't go out of date. So its well worth checking to see if you have some.

In this episode Emma Crossick talks to Alan Moran about the value of listening. They discuss how it's important to listen to others as it helps with understanding your clients needs.

In this guide Orry Henderson talks about the two types of equity release available, Lifetime Mortgages and Home Reversion Plans. He will look at the pros and cons of each and answers some frequently asked questions about them both.

In this episode Emma Crossick talks to Alan Moran about how important it is to him and the business to share information. The reason to share information is to guide people and combine his knowledge with his love for helping others. He also talks about how important teamwork is to create a great working environment.

In this guide Orry Henderson looks at how long you are going to live is the most important element in dertermining how much money you are going to need in retirement. He also talks about the cruicial steps to take to protect yourself if you live to an older age than expected.

In this guide Orry Henderson talks about the considerations individuals need to take when it comes to pensions and divorce. Factors relating to pensions where a divorce is being agreed are often complex. This guide gives some options and looks at the advantages and disadventages of each.

In this episode Emma Crossick talks to Alan Moran about how Brexit has affected his business and his clients. Brexit has meant that Alan can no longer give his clients who live in the EU the help and advice he was once able to provide.

In this special episode Alan Moran talks about the consequences of Brexit and reads an email he has had to unfortunately send to one of his clients. It outlines the issues that Brexit has created for independent financial advisors and their clients based in Europe.

In this guide Orry Henderson explains some of the particular aspects of investing within a drawdown pension. He will also be talking about the risks involved and how to obtain an income from your investment.