Regulation & FCA
This firm is an independent adviser, as such we can advise you on the products of different companies. Investment business is regulated under the Financial Services and Markets Act 2000 and Morris Owen is regulated by the Financial Conduct Authority in its conduct of Investment Business. Our FCA number is 104961.
We will charge a fee for our services. Where this applies the basis of our fees will be agreed with you and set out in our Supplementary Terms of Business. Where appropriate fees may be paid by way of a customer agreed remuneration payment from a recommended investment vehicle. Our charging structure is set out in our document entitled ‘Key facts about the cost of our services’.
The firm operates a ‘Treating Customers Fairly’ policy and a copy of this will be provided to our clients.
The firm does not act as an ‘Investment Manager’.
The firm does not handle clients’ investment money, i.e. we never accept a cheque for, or from, investments which is made out to us.
This firm does not act as a principal in investment transactions.
All investments will be registered in the name of the client unless otherwise agreed in writing. All Documents of Title in respect of investments will be forwarded to the client at the earliest opportunity after receipt and checking by the firm, or may be sent directly to you by the product providers concerned. Where a number of documents relating to a series of transactions are involved, the documents will normally be retained until the series is complete. In the event that clients request the firm to obtain the investments in the name of a third party, the firm will not be liable for any default by the third party.
Although we offer independent advice, on very rare occasions we may have an interest in the business being transacted for you. If this happens, we will write to you with details of our interest, before we carry out your instructions. Similarly, if we perceive any possible conflict of interest between you and any other existing client we will convey any relevant information to you before proceeding with the investment.
The firm does not act as a Broker Fund Adviser.
The firm has no soft commission arrangements.
How we handle complaints
We take great pride in the way that we deal with our clients, but accept that sometimes things do not go as well as we would hope. Should this happen we would hope to spot this early on and rectify any issues without any inconvenience to you.
However, should you ever wish to register a formal complaint, please contact Rob Beale in writing at Morris Owen, independent financial advisers, chartered financial planners*, 43-45 Devizes Road, Swindon SN1 4BG or by telephone on 01793 603900, explaining what the problem is.
On receipt, your complaint will be acknowledged and you will receive a copy of our complaints handling procedure. The matter will then be investigated in line with that procedure and our findings will be reported to you in writing.
If you cannot reach agreement with us, you may be entitled to refer your complaint to the Financial Ombudsman Service, subject to certain time limits, unless the complainant is a business with turnover over €2 million or at least ten employees, or a charity/trust with income/assets over £1 million.
The Financial Ombudsman Service is an independent service in the UK for settling disputes between businesses providing financial services & their clients. Their web site address is:
Full details of how they can be contacted are shown on their web site, whilst you will also be provided with full details when we send to you our written conclusions from our investigation of your complaint.
If you make a valid claim against the firm in respect of investments that we have arranged you may be entitled to redress. In the unlikely event that we cannot meet any liabilities to you, you may be able to claim compensation under the Financial Services Compensation Scheme. English law will govern the provisions of the services covered by these statements and the English courts will have exclusive jurisdiction over any dispute.
The contents of this web site and its pages do not constitute a recommendation of advice and is for guidance purposes only. A formal recommendation can only be given after a full assessment of the relevant information. Investments in vehicles detailed on this web site may not be guaranteed and may both fall and rise in value in accordance with investment and economic conditions.
*Morris Owen independent financial advisers is a division of Morris Owen chartered accountants.
Get in touch
We’re always happy to hear from new and existing clients