Grierson Dickens Limited is a fee based Chartered Financial Planning firm with a refreshingly different approach. Established in 1999 we work closely with a small number of clients for whom we perform two key roles:
1. We act as a ‘strategic partner’; developing a deep understanding of our clients’ current circumstances, helping them to identify their goals and objectives, and building a plan to get them from where they are now to where they want to be. We build long term relationships with clients, consistently helping them to understand the financial implications of decisions they have to make such as job and career changes or business sales and changes in family circumstances. We support them through their decision making process and use our extensive technical expertise to advise and make appropriate recommendations.
2. We get things done. Where we can, we will take action on behalf of clients ourselves in order to ensure that their intentions are put into practice and that plans are properly implemented. Where we need the input of others we will liaise with clients’ existing professional advisers or introduce clients to our own network of professional contacts. In this way we ensure that the right solutions are put in place in the most professional and effective way possible.
We have found that some potential clients struggle, initially, to understand our proposition, often because it is significantly differentiated from that which is offered by most IFAs and transactionally orientated financial advisers. So, we asked our clients to tell us what it is we do for them and why they pay our fees year after year. Here are some of their responses.
Incidentally, we take client confidentiality very seriously, which is why these testimonials are not personally identifiable. However as part of your and our process of deciding whether you should become a Grierson Dickens Client, we would offer you the option to speak to an existing client, which means that you will get a view on our service first hand.
Our objective is to build a long term business relationship with our clients. We believe we have a unique and refreshingly different proposition for the following reasons:
Director and Chartered Financial Planner
James Dickens is the Principal at Grierson Dickens Ltd and has been advising clients on Financial Planning since graduating from Imperial College, London in 1989. He has developed a long standing client base, many of whom he has advised for over 20 years. He is a Fellow of the Personal Finance Society and one of the most highly qualified financial advisers in the UK holding both Certified and Chartered Financial Planner status. James has worked closely with clients through a wide range of life experiences – business start up, growth and exit; bereavement, divorce, redundancy, employment and interfamily disputes; overseas assignment and repatriation, cashflow crises and more. It is the experience gained from this journey that James brings to the table when advising existing and new clients, all of whom are referred by other professional advisers or existing clients. James has always believed that financial advice can only ever be effective on a genuine fee basis which was introduced to Grierson Dickens in 2001. This led to a pioneering approach to advising, encompassing an holistic blend of taxation and financial planning, avoiding the product selling focus which blights so many advisers, and embracing low cost index tracking investments first used by Grierson Dickens over fourteen years ago. James has a special interest in social impact investing and is a keen runner and loves cooking (and eating) Asian food. He is also a voluntary Managing Trustee of a local retirement home for the independent elderly.
Business Manager and Compliance Director
Jo Ranger joined the company in 2002 with specific responsibility for business management, compliance and the development and ongoing improvement of the company’s client proposition. Jo has worked in the Financial Services industry since 1985, the majority of her career being spent with what is now the Zurich Group, latterly as Sales Development Director. Jo has also completed lengthy consultancy contracts over the last few years with a large US wealth management company developing their US proposition for the UK market, a major high street bank working on their customer proposition and an international private bank developing their relationship management approach. Jo’s key areas of interest in business are strategic planning and developing people. Outside of work Jo enjoys walking and is a keen skier.
Chartered Financial Planner and Investment Director
Greg Parker is a Chartered Financial Planner and part owner of Grierson Dickens. He graduated from Portsmouth University in 2004, beginning his career with IFG Group as an investment analyst and trainee adviser. It was in 2007, after a chance meeting with one of the owners, that Greg decided to move to Grierson Dickens in order to pursue a career offering holistic fee based financial planning. Greg has been responsible for building and managing the GDL investment proposition and currently chairs the company’s investment committee.
In addition, Greg has gained significant experience in advising a wide variety of financial planning clients, developing a particular specialism in advising the elderly, their attorneys and trustees. He has helped a number of our clients plan the succession of their often significant wealth, in challenging family circumstances, often dealing with the sensitive balancing act of sharing wealth with adult children whilst protecting them from the potentially difficult consequences of an inappropriate windfall.
Greg has also represented individuals in resolving complex high value settlements with the Financial Ombudsman Service in instances where clients have come to GDL having received inappropriate advice on products or investments, or where significant client assets have been misappropriated.
Outside work his passion is most definitely football.
Chartered & Certified Financial Planner
Ben Kemmish has worked in financial services since graduating from the University of Surrey with a First Class Honours degree in Economics. Ben joined Grierson Dickens Ltd in 2014 and since then has become both a Chartered and Certified Financial Planner. Ben works with many different client scenarios but is especially familiar with the challenges faced by families with busy lives, demanding jobs and an ever more complex array of financial decisions to make and deadlines to manage. He also has significant experience of dealing with clients whose senior employment roles involve complex benefits packages with long term incentive plans, and those who are subject to particular scrutiny in the implementation and reporting of financial transactions.
Ben also works alongside James Dickens dealing with the complex and challenging taxation and financial planning issues presented by serial entrepreneurs; he has a deep understanding of the latest rules surrounding pensions and has used his expert knowledge in advising clients on the implementation of pension arrangements, taking benefits and avoiding the pitfalls of the various tax penalties awaiting the unwary pension funder.
Outside of work, Ben enjoys his road cycling and weekly 5 a-side football.
Chartered Financial Planner
Vicki graduated from Cardiff University with a BSc Hons Business Studies with Japanese degree and subsequently worked for over ten years in the financial services industry as a specialist Asian equity portfolio manager. After a career break to look after her young family, Vicki joined Grierson Dickens Ltd in early 2015; returning to financial services but in a role where she could utilise her life experience directly with clients. Vicki achieved Chartered Financial Planner status in December 2018 and also holds the Investment Management Certificate and parts one and two of the Chartered Financial Analyst exam.
Since joining Grierson Dickens, Vicki has provided a wide range of financial planning advice to the company’s clients but has particular experience in dealing with those who have experienced bereavement or divorce, delivering a combination of pragmatic advice, often in challenging circumstances, with emotional intelligence and a sympathetic ear. Vicki’s experience also extends to advising attorneys, dealing with complex high value estates on behalf of executors, the use of Equity Release, long term care funding and the wide range of issues with which elderly, and sometimes vulnerable clients, need guidance. Outside work, Vicki is a keen runner and kick boxing practitioner.
Investment Support & Paraplanner
After graduating from De Montfort University in Leicester, with a First Class Honours degree in Accounting and Finance, Bobby Gyawali has begun his career in financial services by joining Grierson Dickens Ltd in 2018. Bobby also gained an AAT Level 3 qualification in 2014, making him a part-qualified accountant.
Bobby’s role at Grierson Dickens is to help implement and manage clients’ investment portfolios and to support the Financial Planners taking care of tasks that allow them to fully focus on their responsibilities. Bobby’s duties include: creating annual investment review documents, conducting investment research, monitoring asset allocation models, helping advisors with meeting preparation, and liaising with clients to ensure the company delivers on our service commitments.
Outside of work, Bobby is big on sports and takes part in football, basketball, tennis and squash.
Tim Hudson has worked in the Financial Services industry since 2001 and joined Grierson Dickens Ltd in 2012 after wanting to work in a fee-based firm with a non-transactional approach.
Tim’s role is to facilitate and manage the smooth operation of the company’s business, enabling the Financial Planning team to focus fully on their clients. A wide range of responsibilities fall under Tim’s remit and include accounts, premises, IT systems & telephony, client invoicing, project management, regulation & reporting and the content and maintenance of the company’s website.
This broad role gives Tim a unique and vital perspective on the company and he thoroughly enjoys managing the diverse variety of tasks that come his way.
Away from work, Tim enjoys spending time with his family, running and mountain biking.
Immy Turner is new to the financial services industry, joining Grierson Dickens Ltd in 2018 but with 9 previous years of customer services experience, she saw this as an opportunity to cement her career with a very client focused company.
Immy’s role is to support the team and manage day to day tasks required to keep the office running smoothly, so the financial planners can focus solely on the clients. She finds it interesting, varied and feels it offers her huge opportunities to learn and grow within the organisation.
Her time away from work is spent with friends and family (and cat), practising yoga and perfecting her vegetarian cookery skills.
Clients remunerate us through fees rather than commissions (and have done so since 2001). These fees are charged in two ways:
Hourly fees: Our financial planning and advice fees are charged for on an hourly basis by agreement with you and are based upon your circumstances and the work you have asked us to do on your behalf. Our hourly fees are as follows:
From £165 per hour to £240 per hour for a Financial Planner depending on their level of experience to match your requirements.
£120 per hour for Financial Planning Support.
£70 per hour for administration.
Ongoing Annual Investment fee: If you invest money through us we will begin charging an ongoing annual investment fee of up to 0.5% of the investment amount. The charge for this service will be in addition to our hourly advice charges for an investment proposal and financial planning services.
This ongoing annual investment fee covers:
The process of selecting the right asset classes, continually monitoring performance and identifying new alternatives, involves significant and ongoing work, much of which is generic to all clients. It is therefore not possible to charge clients at an individual level for this work.
These fees normally attract VAT.