5 minute read
Judaism
EXPERT ADVICE
Dear Jacob
I notice that some financial services firms are authorised by the Financial Conduct Authority while others are not. Should this influence my decision whether or not to use them?
David
Dear David
When considering using any Financial Service Provider, a key consideration is whether that firm is authorised by the Financial Conduct Authority (FCA). (Businesses can either be Directly Authorised in their own right or may be authorised indirectly as an “Appointed Representative” of another Directly Authorised firm, which is known as the Principal Firm or Network, e.g. our sister company, Richdale Brokers and Financial Services Ltd). There are various benefits to working with an authorised firm which would make it highly recommended to only work with such businesses. These include the comfort you can take: 1. that the business has undergone a rigorous assessment of their operations by the FCA, (or by their Principal firm), prior to the business obtaining authorisation; 2. that the business must constantly adhere to strict regulatory processes to ensure the services they provide you with are appropriate, and provided in a manner which is fair, clear and not misleading; and 3. that should the business have fallen short in the quality of the service that they provided you with, you are likely to be able to refer this to the FOS and potentially seek recourse from the FSCS. This is especially important when it comes to investment funds and syndicates, where a recent proliferation in the number of scams, has made it of crucial importance that you carefully research and only work with, appropriately regulated firms. It is important to conclude by adding, that although a business which is not appropriately authorised may be committing a criminal offence if they provide you with a service which requires authorisation, it should also be noted that the specific requirements for FCA authorisation are complex, as they are very specific to the activity being performed by the business.
JACOB BERNSTEIN
A member of the APCC, specialising in financial services compliance for: • Mortgage, Protection and General Insurance Intermediaries; • Lenders, Credit Brokers, Debt Counsellors and Debt Managers; • Alternative Investment Fund Managers; • E-Money, Payment Services, PISP, AISP and Grant-making Charities.
Contact:
020 7781 8019 info@www.richdale.co.uk www.richdale.co.uk
CHARITY
JEWISH CARE
Jewish Care is the largest health and social care organisation serving the Jewish community in London and the South East. Our vital services touch the lives of 10,000 people every week. We provide services and offer a wide range of support groups to older people, people with mental health needs, Holocaust survivors, people living with dementia, people with a variety of needs and carers support.
Contact:
020 8922 2222 helpline@jcare.org www.jewishcare.org
SHIPPING
STEPHEN MORRIS SHIPPING
With almost 40 years experience, our company has the ability to move household and personal effects and antiques and fine art with the professionalism and care that comes from that experience coupled with an attention to detail. We construct our own Tri-Wall and wooden packing cases on site and employ full-time art installers and handymen for those ‘extra’ jobs that always need doing on a move or installation. And size is no limitation – we have moved trains, boats and planes across the world and even bridges and a 5,000 seater tent!
Contact:
020 8832 2222 info@shipsms.co.uk www.shipsms.co.uk
BUTCHERS
KOSHER DELI
Kosher Deli was established with the intention of making kosher meat and poultry affordable for all with the convenience of multiple locations and a comprehensive delivery service. All this without compromising on kashrus or quality. Locations in: Golders Green, Hendon, Temple Fortune, Edgware, Borehamwood & Manchester
Contact:
020 8381 4450 info@kosherdeliuk.co.uk www.kosherdeli.co.uk
WEALTH MANAGMENT
MARC OVITS – BA (HONS) APFS CERT PFS (DM)
Over 25 years of successful experience in financial services including 11 years of investment banking experience. Offering expert independent financial advice to individuals, businesses, charities and trusts. Individual services:- Wealth Management, Investment, Retirement, Estate/IHT, protection planning, Tax Mitigation and Cash Management Solutions Business & Charity services:- Investment Planning, Business Succession & Business Exit Planning, Business Protection, Corporate Pensions, Employee Benefits, Cash Management Solutions, Profit extraction strategies
Alpha Wealth Management Contact:
020 8203 6920 info@alphawm.co.uk www.alphawm.co.uk
ESTATE AGENT
MARTIN FRYDENSON - ROUNDTREE REAL ESTATE
Roundtree Real Estate are your local experienced Estate Agent having been established on the High Street since 2009. We are both ARLA and NAEA Propertymark regulated and we are here to offer you expert advice in Property Sales, Lettings, Commercial and Full Management Services, covering Hendon, Golders Green, Finchley, Colindale and surrounding areas. We have built long standing relationships with all our clients and should you have any property related queries please do contact us.
Contact:
020 8203 2111 mail@theroundtree.com www.theroundtree.com
TELECOMMUNICATIONS
SMARTINET
We’ve been providing businesses with all of their communication needs since 2010. We specialise in supplying businesses with VoIP Packages, Mobile Plans, Broadband, Card Merchant Services, Leased Lines, On-Hold Marketing, and Call Centre Services. Smartinet, your reliable and efficient business communications provider.
Contact:
0333 613 0000 connect@smartinet.co.uk smartinet.co.uk
SOCIAL MEDIA EXPERT
SITEAWE
Social media is POWERFUL for businesses. But a community around your business with followers to do more than just follow is even MORE powerful. Our partners include The Jewish Weekly and Badatz Igud Rabbonim. Comments have included “They boosted, and are continuing to boost, our online presence to far beyond what I could have imagined.” So what are you waiting for? Get in touch today
Contact:
07707 220 445 eli@siteawe.com www. siteawe.com
ENERGY PERFORMANCE
EPC NATIONAL
EPC NATIONAL are leading experts in providing EPC certificates for domestic & non-domestic properties nationwide. Especially with the new regulations coming, we provide guidance to all of our clients. Call the team to discuss any requirements.
Contact:
03300 881141 info@epcnational.co.uk www.epcnational.co.uk
FINANCIAL SOLUTIONS
STEPHEN COLMAN - INDEPENDENT FINANCIAL SOLUTIONS
An independent mortgage broker directly authorised by FCA specialising – for over 25 years - in the more ‘challenging’ situations. We take care of the whole mortgage process on your behalf, handling all aspects of buying your residential or investment property. In addition over the past 5 years we have been at the forefront in arranging Equity Release mortgages for the over 55’s
Contact:
07956 234 524 020 8458 9137 stephencolman2@aol.com
