S D GREENWAY LTD
Representing your interests.
Welcome to SD Greenway Ltd. Please be invited to explore the menu at the top of this page to learn more about our services, our people and our long term commitments to clients.
We are a proud boutique IFA firm, small enough to care but big enough to matter. That balance is precisely what we would want if we were looking for an IFA; we wouldn't want to be just a number but equally we would wish to know we were getting the best value.
We are directly authorised [DA] and independent. We are authorised by the Financial Conduct Authority [FCA] with up-to-date permissions for work in the subjects of pensions, investments, mortgages (inc equity release) and insurance.
To be Directly Authorised and Independent is rare and a high bar to achieve. The majority of adviser firms are either restricted, tied or an appointed representative.
We hold 'Pension Transfer Specialist' permissions (PTS), which authorises us to work with of all types of pension contracts.
The FCA apply responsibilities on IFA firms to protect your pensions & investments, amongst which is to evidence valid personal indemnity insurance [PII] to protect clients in the unlikely event of a mistake. By following the correct channels, you can be assured that your financial interests are insured.
If an adviser firm becomes too large, they may sacrifice independence or service to satisfy share price. It is natural for a firm to crave more profit, but what gives?
At S D Greenway Ltd, we planned from outset to cap our client numbers so that we didn't fall into the profit hunter's trap. After-all, there are only so many clients that an adviser can properly service in a year. We calculated that a set number of long-term clients would provide our firm with a reliable income stream that in turn created a secure business. In return, our clients would benefit from a bespoke service that suited their circumstances.
When markets are buoyant, many get carried away with their ability to choose a winning fund or two. However, it is when markets fall that our methods to minimise the impact comes to the fore.
Our recommendations will be in your interests, as we represent you. We receive the same fee irrespective of which firms or products that we recommend.
We currently invite long term pension or investment enquiries for the start of 2024 with fund values of £100,000 or above.
Appointing an IFA to look after your financial future is a big step. Please see below what Mr Lewis says on the appt;
TV & media Journalist Paul Lewis October 2023 - Money Marketing Magazine;
There is a major problem lurking within the rules surrounding Consumer Duty. It imposes no specific obligation on advisers to declare the single most important consideration for any client who wants the best advice – are they independent or restricted?
Thank you Paul, we are really grateful for the recognition
We are open to discuss your circumstances should you be looking for a long term IFA. For your reassurance, the FCA register link is found here: Register Home Page (fca.org.uk) Our firm's FCA registration number is 789887 and Scott's individual number is SDG01074.
We respectfully decline sign-offs for DIY pension transfers or DB pension transfers (final salary or career average salary).
I have been a client of Scott Greenway for some years now. I have found Scott to be very open and honest in all dealings I have had with him.
Scott has handled my pensions, savings and investments and all these areas have shown a healthy growth.
As the relationship between a client and their financial advisor is based on trust, I do trust Scott to act in my best interest.
Lynn Salisbury
A lot of people of people feel reluctant to share personal details with someone who at first is a total stranger, however we have now known Scott for some years and he has managed and advised our savings, investments and pensions, resulting in some significant growth, we trust Scott, and now also regard him as a friend. '
Graham & Sue Coleman
We have been client of Scott Greenway for many years, and when he introduced himself to my wife and I we had a number of Pension Plans with different companies. He managed within two months to collate all these into one Pension plan, that has made it so simple to understand.
Since then the return on our Pension has been well above our expectations, and should we have any Pension queries Scott is always there with sound advice, with simple to understand explanations.
We can highly recommend Scott and as our financial adviser we have total faith in his endeavour to act in our best interest.
Jeff & Jill Bird
I was very impressed with the service provided by Scott after I made a general enquiry through the website unbiased.co.uk. Scott was quick to respond and went on to analyse my situation and make a recommendation on the service that he was to perform on my behalf. He completed the work to my satisfaction well within the timeframe that he had suggested at the outset. I would have no hesitation in recommending him as a IFA.
Huw Rees (Dec 2020)
SOLICITORS & COUNSEL
Law Society Referral Approval
We are happy to receive referrals from the legal profession. We can assure your client will be treated impartially and with diligent care. We hold full independent status.
Under the scope of Solicitors Regulation Authority [SRA] rules, referring to financial advice firms with narrow, restricted panels has been identified as possibly not in the clients best interests. If a firm’s status is ‘restricted’, it should be recorded how constricted their advice will be.
Caveat Emptor - Let the buyer beware, many of the largest adviser firms in the UK appear to the layman as 'independent'. Dig deeper and insist on seeing the term 'independent' in their permissions rather than words that imply 'whole of market'. EG. "we research from a panel that represents whole of market" - which means restricted.
(The Law Society, 2019 @ lawsociety.org.uk)
CONTACT ME
Have a particular challenge you’re trying to deal with? Contact me today and see what I can do for you.