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Who are we?
This website is owned by the Shepherds Friendly Society Ltd, a mutual company, which has been in business since 1826. It is based in Cheadle, Greater Manchester and is authorised and regulated by the Financial Services Authority. The company's FSA authorisation number is 109997.
Who provides advice?
Advice given to you as a result of asking a question on this website is provided by Shepherds Mutual Solutions who are a team of authorised financial advisers. Their FSA company authorisation number is 430769.
What does the service cost?
The initial answer given is entirely free. Many of the solutions will also be free. There are certain types of lengthy and complicated advice situations where you may be asked to agree some remuneration for the service but you will always be made fully aware of this before any such advice process begins.
Why use a mutual company for financial products?
A mutual company seeks to always put its members interests first. It does not have shareholders who in many other businesses, such as banks, are sometimes put before the customer.
Is there anything else I should know?
You are protected if any wrong advice is given to you because we are regulated by the Financial Services Authority and are members of the Financial Services Compensation Scheme.