Getting started

If you’d like to know a bit more before you contact us, you may find answers to your questions here.

I have a question about my financial situation but how do I know if you can help me?

Let’s have a chat. A quick phone call should establish if we can help you. If we can’t, we’ll let you know. We may even be able to point you in the direction of someone who can help.

Our services are really well suited to anyone who has over £1million to invest.

If we can help, we’ll arrange a meeting with one of our financial planners to build a deeper understanding of your situation. We’ll explain what we do, how we’d help you and what we charge. From there you can decide if you want to work with us. Get in touch to arrange a chat.

Is there an opportunity to test your services before I commit?

Providing financial planning advice really only works best in the context of a longstanding relationship – that way we get to know your needs and can tailor a plan to them.

Before we even get started, we ask a number of questions to check whether we can help you and make sure we’ll work well together.

If our financial planner believes that we can help you, and you want to proceed, we’ll develop a financial strategy tailored to your needs. In doing this, we’ll have at least two in-depth meetings with you, and through these, you’ll experience the way we work.

We’ll then take the strategy on to the next level, building the action plan and implementing this for you.

Some of our clients have shared their experience of working with us and their thoughts might help you to make up your mind. [links to case study]

The initial call is free and gives us the opportunity to give you an accurate price for the service, based on the details of your situation.

You’ll find more information here.

What and how do you charge?

The initial work we do to analyse your situation and set out your strategy starts at £3,000.

Once we start to implement your plan, and manage your financial plan and investments, we charge an annual fee of 1% of your portfolio value.

I already have an adviser, can you help me?

The best way to answer this question is to say ‘let’s have a chat’. We’ll be honest with you – if we think you’re just as well staying put, we’ll say so but if we can help, we’ll be able to identify that from a short conversation, establishing what you need and your current situation. So, let’s have a chat.

There are lots of ways I can invest myself, what difference will you make?

As technology proliferates and develops, it is becoming easier for people to invest for themselves. In some circumstances, this is appropriate.

However, if your situation is complex or you want to consider how you protect your future income or improve your tax planning, we’d always suggest seeking independent financial planning advice.

If you’re not sure, check out our what our clients say. Like them, if you value a trusted partner who will set a clear direction that gives you peace of mind, confidence and security – not to mention a sounding board for your ideas, then you’d benefit from speaking to an experienced and qualified professional financial planner.

If you’re not sure, let’s have an initial chat.

I’m approaching retirement, how can you help me?

The short answer is yes. Many of our clients are at a similar stage in life.

There’s so much to take into consideration, not least how you want to approach this pivotal moment in your life. Over the past two decades, we’ve worked with hundreds of clients who are at this stage and we’ve helped them and can help you to make the most of this transition in your life, both from a financial and emotional perspective.

So let’s start with a chat to establish your situation, the decisions you need to make and the time you have to make them in.

Get in contact.

I want my finances to help me achieve what I want to achieve in life, how can you help me?

Yes. In fact, we love helping people live their life on purpose, and with purpose. It’s what we’re all about.

Let’s start with a chat. Through this conversation, we’ll see if we can help you and you can decide if you like us.

Our life and financial planning services focus on helping you articulate what you want your money to help you achieve in life. We advise and put in place a plan for helping you live life the way you want to. That’s at the heart of what we do.

We’ve helped others to do it and if you’d like to find out how we can help you to do it, contact us.

Do your clients need to live near your office?

No. Although we like to meet clients in person, we’re also used to meeting with them online, so geography isn’t an issue.

We’ve found that the financial planning process isn’t compromised. In many ways it helps us to illustrate some of the points we’re discussing by sharing documentation and screens more easily.

With changes in cross border rules and complexities introduced by overseas tax planning, we typically only work with UK residents or those who are soon to return to the UK for the long term.

About Emery Little

Helping you to get to know more about us, and how we’ll help you.

How long have you been in business?

We have been in business since 1971, when Bryan Little started the business in Salisbury. Andy Little created the Hertfordshire branch in 1998, which subsequently became a limited company in 2014. The business is now under the stewardship of the third generation of “Littles” with Jo at the helm.

What matters to you?

That’s an interesting question. We’re here to create better lives for our clients through expert life and financial planning. That really matters to us; so much so that we focus much of our employee training on developing this experience and skills.

We hold four values very close to our hearts – trust, clarity, connection and progress. We explain these here. If these matter to you, chances are we have a lot in common.

How big are you?

We like to think we’re just the right size. Well, the right size of company for people who want hands-on service from a business that puts relationships first.

Our team of just under 30 employees make sure this is the case – getting to know all of our clients, understanding their situation and, we hope, playing our part to ensure they live a life with purpose.

We feel very privileged to manage just over £300 million of assets for our clients.

Protection and security

The measures we put in place to protect you and your assets.

Are you regulated and what does that mean for me?

Yes. We are authorised and regulated by the Financial Conduct Authority (FCA). Our firm reference number is FRN 615762. Being authorised by the FCA means that we meet a range of requirements in order to operate. Without this authorisation, we wouldn’t be able to give investment advice.

Their rules and standards ensure we treat customers fairly, deliver appropriate products and services and put the protection of our clients before our profits and income.

Being authorised and regulated by the FCA also means that we have strict standards to meet if things do go wrong, so you can be reassured that if ever you have cause for concern, we will treat that with the utmost importance.

The vast majority of the products that we may recommend to you are also protected by the Financial Services Compensation Scheme (FSCS) and the scope of that can be found here.

How do you ensure my data is secure?

You’ll find all you need to know about how we treat your data in our privacy policy.

We take our responsibility for your data very seriously, and so employ a number of specialists to support us. We use Microsoft Gold Partner accredited IT specialists and a Data Protection and Risk Consultant to make sure we are doing all we can to protect our systems and your information.

We have the Cyber Essentials accreditation, and we renew this every year.

Who do I contact if I want to know what data you hold on me?

Email or write to Rebecca Timmins, Director, Emery Little, Ebenezer Chapel, Bradden Lane, Gaddesden Row, Herts, HP2 6JB. Alternatively, you can telephone 01582 841222.

What do I do if I’ve had a call from someone at Emery Little and I think it’s suspicious.

You should call us directly on 01582 841222. We’ll never cold call you or send an email without having had previous permission or you providing us with your contact details. Our team are always happy to help you with any checks.