"Are we too 'small-fry' for you?" This is never a question we like to be asked for a couple of reasons.

Firstly, nobody is 'small-fry' to us. Every case is important and every individual has a need for financial advice at some stage in their life.

Secondly, if we are being asked the question is it because we come across as exclusive and not approachable?

I hope the latter is not true, but it is fair to say that even we are bamboozled at times when we look at other advisers and try to work out who they want as new clients. There seems to be a fascination with seeking high net worth clients, but what does that mean?

No firm turns away wealthy clients, but does that mean that your skills cannot be used just as successfully for clients who aren't worth millions?

We are a highly trained Chartered firm who deal with a broad spectrum of clients and to put it bluntly, we expect our advisers to do so, for that is a real test of skill. A typical client for us does not fit one definition. Undoubtedly we see certain scenarios time and again, but the intricacies of planning for different types of clients at different stages of life are what we believe makes us different.

We will happily meet any prospective client without charge to see if we can assist them and you will probably find that we have many clients in exactly the same situation as you.

To us it's not about a typical client or a snooty screening of potential clients, but it's about advising all clients to the best of our ability. Different levels of wealth require different strategies just as different ages have different objectives, but fundamentally the quality of that advice should not differ.

For some individuals the advice will revolve around wealth preservation, for some about how to broach retirement and for others about how to build up savings whilst protecting their family in case anything happens to them. All scenarios are equally important and will require careful planning to meet those objectives successfully.

If you would like to get in touch to see how we may assist you, please contact me at jon.telford@msfs.co.uk.