ABOUT PBS FINANCIAL SOLUTIONS
Based in Lancaster, Lancashire, PBS Financial Solutions Ltd was established in 2007 by Paul Brett-Smith following more than 10 years’ experience in providing financial advice. Our focus is on providing financial advice that makes a real difference to peoples lives; from helping first time buyers through to making the most of someones investment portfolio or retirement income. Our aim is to not only help you get the best possible outcome but to also keep you informed and build a truly productive working relationship.
We offer a personal and friendly service for clients seeking financial advice which is independent, jargon free and provides true value. As a company we believe it’s important to be approachable and take pride in providing a quality service built upon trust, integrity and value. In order to deliver this we use the latest and most comprehensive technology, combined with our vast knowledge and experience.
50 YEARS OF COLLECTIVE EXPERIENCE
We are Independent Financial Advisers authorised and regulated by the Financial Conduct Authority and can be found on the FCA register, number 624550. We have accumulated over 50 years of collective experience and take pride in the expertise of our highly qualified staff. From our personal service and strong reputation for quality advice we have been able to build a financially secure business that has grown through recommendations and referrals from both highly satisfied clients and professional connections. The majority of our clients are from Lancaster, Morecambe and surrounding areas however we have a large number based in London and across the UK from word of mouth.
Our approach is clear, ensures open communication and disclosure, enabling us to provide the very best financial advice. From the complexity of financial planning we create simplicity.
WE ARE HERE TO HELP.
PAUL BRETT-SMITH
DIRECTOR
Paul started working in financial services over 18 years ago gaining invaluable experience before establishing PBS Financial Solutions Ltd in 2007. He prides himself on being able to communicate with clients in a clear and friendly manner, allowing them to understand their options and the most suitable solution. He is level 4 diploma qualified and maintains a ‘Statement of Professional Standing’ awarded by the Institute of Financial Services. Paul has a great amount of experience in providing mortgage advice and advises clients on their investment and retirement options.
Outside of work his interests are his family, sport and travel. He has a great passion for rugby, coaching children at a local club and in schools whilst also acting as the Chairman for the Mini & Junior Section at the Vale of Lune RUFC.
ROSS HUMPAGE
MORTGAGE & PROTECTION ADVISER
Ross started working in the financial services sector over 8 years ago after spending many years working in the insurance industry. He gained a great deal of customer facing experience while in this field which he feels has certainly helped in his current role of explaining sometimes complex mortgage information clearly during appointments or over the phone.
He is fully Cemap qualified and provides advice on not just mortgages, but Life and Critical illness insurance along with income protection and general insurance.
When not at work he enjoys playing golf and snooker and also watching motorsport.
SARA HELLIER
CASE MANAGER
Sara has worked in the financial services industry for 28 years, initially working within a banking environment & for the last 11 years her role has been providing administrative support to Independent Financial Advisers.
When not at work, she enjoys walking her dog, swimming, socialising & following the fortunes of a Premier League football club who shall remain nameless in case it puts off prospective clients.
NOT LIKE EVERY OTHER ADVISOR
We are one of only a few advisers in the Lancaster & Morecambe area who can say that we are truly independent. We are not tied to a particular panel of providers and we aren’t part of a larger organisation. We are fully regulated by the Financial Conduct Authority, and can be found on the FCA register. Our advisers maintain a Statement of Professional Standing, by evidencing continuous professional development each year. We follow the FCA’s 11 Principles of Business and work to be continuously Treating Customers Fairly. Our reputation and the number recommendations we received are the keys to our success and we don’t see that changing any time soon.
We provide advice based upon your individual needs. Not only do we research the whole of the market, but we provide advice to ensure that our recommendation is the most suitable for you. In addition to the whole of the market we often have deals and products that are exclusive. Most importantly our advisers will manage the whole process for you.