About Credencis
Who is Credencis, what do they know and what do they do?
Brian Flindall, the director of Credencis, has been working in financial services since 1995. Through earlier years of his career, much experience was gained working for United Friendly, where he became ‘The IB Man’ providing door to door insurance and pensions advice. Every day he would walk the streets, knock on doors, collecting clients’ premiums. It was a very satisfying job which meant he saw his clients ‘face to face’ all the time, during which they shared both sorrows and joys.
‘I still have clients now from this early period. You became a close friend of the family, somebody liked and trusted with their money.’
A brief time working as a Direct Salesman for Canada Life meant he was essentially ‘looking after a small client bank’. From an early time in his career he always wanted to be self-employed, and build up his ‘own’ business. In the year 2000 he started as an Independent Financial Adviser under the wing of one of the main firms, providing true independent advice building up his own clients who frequently sought help and advice.
In 2005, after many years of working self-employed, and yet always ‘for other people’, he formed Credencis.
For many years he had been predominantly advising his own clients with their pensions, both funding their retirement, and then advising them of their options in retirement. I decided at this point to build the Credencis that people will recognise today which is essentially a ‘pension drawdown specialist’, helping clients from the age of 55 and beyond with their pensions. Brian qualified as a ‘Pension Transfer Specialist’ allowing him to advise in the ‘complex’ area of transferring Defined Benefit/Final Salary Schemes.
Away from ‘pensions’ I love to travel, in particuartly watch live music, and also spend time with my family, and swim as often as I can.
The company focuses on the personal approach to clients, building strong relationships supported by clear and comprehensive information that adheres to all current regulations and developments within the aforementioned areas of financial advice. The emphasis is on regular client/adviser interaction in order for customers to have accurate and up to date information relating to their investment funds, pensions and annuities. Credencis regularly performs appraisals with appropriate suggestions towards clients on how to improve their investment/pension forecast.
What does Credencis do for domestic clients?
Pension fund management
Advice on purchasing annuities
Advice on saving for retirement
Additional saving and investment schemes
Mortgage advice
Corporate/business pension fund advice and management
Personal wealth management advice
Life stage financial planning
Equity release advice
Care service fee planning
What does Credencis do for commercial clients?
Auto enrolment advice and service
Employee benefits
Employee pension advice
Death in service with dependents benefit scheme
Partnership and directors share protection
Key personnel business insurance
Employee income protection
Why should you consider using Credencis
Credencis do not charge an upfront consultation fee, information provided by the company adviser is unbiased and sensitive to each individual client. Credencis focus on two main attributes which are the enhancement of a client’s wealth along with the improvement of an individual’s understanding (peace of mind) in relation to their finances.
Credencis research the options available to customers so that they can make the final decision on where they want to invest their money. The track records of the funds investors that Credencis work with are the best in the country, with only 200 out of approximately 6000 being deemed worthy of consideration.
The company has a sequenced A,B,C,D approach when working with new clients investigating their savings and investment options.
First Contact
Call or email us to arrange a free no-obligation chat. This can be by phone or in-person and is to help you understand what your options are and see where we can support you.
First Appointment
Here we learn more about you; your objectives, and your financial circumstances. We also gather details about your existing protection, investment, and pension plan(s).
Payment only becomes necessary should the client wish to continue to the next stage.
Credencis Research and Analysis
We analyse your existing plans, research the market according to your objectives and formulate your personal recommendation.
Appraise the situation based on the primary consultation
Draw on Credencis experience with detailed examination of the market in order to refine matching solutions that will fulfil bespoke needs
Develop the model for investment that dovetails with a client’s investment risk profile alongside the suitability of any pre-existing investments
Determine from the analysis of information the most suitable roadmap for investment
Present the client with the full plan
Presenting Your Financial Planning Report
We send you your comprehensive Financial Planning Report ahead of talking you through it to make sure you understand the advice that has been given and the impact of the outcomes.
Performing all necessary administration and fund management as agreed by the client
Consistent updates relating to progress of the plan
Issuance of complete documentation sets to comply with all regulations
Absolute confirmation of all pertinent actions carried out in writing
Regular appraisal and alterations (as recommended/if required)
Once our recommendation has been agreed upon, we update your arrangements and keep you informed throughout. The agreed charges are then applied and you become part of The Pension Drawdown Company’s client family and have regular reviews.
This phase of the service includes the following.
Re-evaluation of a client’s present circumstances, offering suggestions to plans if required
Notification of pertinent updates, performance and adjustments (if required) in relation to the client’s investments.
Attention to client preferences with respect to levels of advice offered and the frequency thereof
Handling of ongoing investment administration and any relating correspondence.
Questions? Get in touch.
Questions or comments? Please visit our contact page to get in touch with us.