FAQs

Yes, we are an independent firm. This means we can recommend products and providers from the entire market and have access to a wide range of financial solutions.

Yes, True Financial Design is regulated by the FCA. You can find our entry on the FCA Register here.

No, this is not an area we advise on. However, although we can’t, we can refer clients to an expert within our network who can help with this.

No, we do not currently charge VAT. If this changes, we will let you know.

No. You would need to speak to a mortgage specialist for advice on this. To find a mortgage specialist, you can visit VouchedFor or Unbiased, then search for a specialist close to you.

We hold meetings via Teams or in our offices in Wetherby or Chichester.

Yes, we have onsite parking at our Wetherby office ( LS22 5DZ). For our Chichester office, the nearest short-stay car park is St Cyriac’s (PO19 1AJ). If you require a long-stay car park, you can choose Northgate (PO19 6AA).

No, the complimentary initial meeting is your opportunity to get to know Lottie and assess whether she’s the right partner for you on your financial journey.

We have developed a two-step process to help you and Lottie learn whether you are right for each other. Initially, please answer the questions here about your circumstances. Then we’ll review your answers and if we feel Lottie might be the right Financial Planner for you, we’ll arrange a complimentary initial meeting.

For our first meeting, it’s helpful to bring details about your current financial situation, including income, expenses, savings, debts, and any investment or pension information. Don’t worry if you don’t have everything, our first conversation is designed to understand your goals and how we can help.

Women tend to face unique financial challenges, such as longer life expectancies, career breaks and wage disparities. These mean that financial plans must be flexible and comprehensive, ensuring women are prepared for retirement and other financial goals.

Our services are designed for women at all stages of life and wealth levels. Whether you’re just starting to invest or need guidance managing an established portfolio, we can help create a plan that fits your needs and financial situation.

It depends on your circumstances, but we recommend an annual review to ensure your plan stays on track. However, if you experience a major life event, such as a job change, marriage, divorce, or birth of a child, we may need to meet more frequently to adjust your financial plan.

Yes, we provide tailored retirement planning to help you understand how much you need to save, look at your pensions, and create a retirement income strategy. We aim to ensure you feel financially secure and confident as you transition into retirement.

We offer advice on protection strategies, including life insurance, critical illness cover, and income protection. These plans ensure that if anything unexpected happens, your loved ones are financially secure and cared for.

Absolutely. Lottie is one of only a handful of female Financial Planners in the UK who specialise in working with women. She is also an award-winning Chartered Financial Planner and one of only a tiny proportion of female advisers who are Resolution Accredited Divorce Specialists. Our two companies are designed to support you with all your financial needs. True Divorce Consultancy Ltd offers tailored financial guidance and scenario planning throughout the divorce process.