THE SOURCE OF TRUSTED ADVICE

The purpose of this document 2

More about us 3

The Team 4

The stages of fi nancial life where we can help you 5

The Marketplace we visit on your behalf 7

Your peace of mind & protection 9

Our Client Charter 11

Our process for providing quality advice 12

Financial Partners for life - Our Ongoing Service 13

How to pay for our services 15

Other topics we feel you ought to know about 17

Contents

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• More about us

• What areas of advice we can help you with

• The marketplace we will visit in order to deliver our advice, research and recommendations

• The security, protection and peace of mind you can expect to benefi t from

• Our Client Charter

• Our proven yet leading edge process that we use to deliver the solutions you require

• The value we add to you now and going forward

• A few other small yet important topics we feel you ought to know about

• Checking how any personal changes in income or capital wealth may impact their current provisions or tax situation

• Utilising their existing provisions fi rst before considering starting a new plan

• Explaining in simple terms how the UK Government Budget announcements impact them by way of welfare or income, capital or inheritance tax changes

• Reminding them so that they do not miss out on valuable allowances that once they are gone, they are gone forever (e.g. ISAs)

• Making sure they do not miss out on getting money back that might be owed (e.g. tax relief on pension and retirement planning)

• Ensuring they do not miss out on getting a better return than they should for the level of risk they take

• Reassuring them that they are not unnecessarily taking too much risk with their current assets

• Placing their assets in the right name and ownership and tax wrapper so that they legally and ethically ensure they do not pay too much tax when they want to spend them

We aim to do this by helping you understand:

Besides providing leading edge investment and insurance solutions, our clients tell us that we add value to them at a review by:

The purpose of this document is to:• Provide information about our business and services so that you know what to

expect when working with us

• Give reassurance about how we are regulated, and what security and peace of mind you can expect to receive

• Link to our ‘Terms of Business’ document, where more specifi c information can be found regarding our fees and services

More about us:As the source of trusted advice we are Financial Planners, Financial Advisers, Wealth and Tax Managers, Wealth Planners, Corporate consultants, Mortgage Advisers, combined experience of over 150 years in the market place.

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We offer professional face to face advice, although we can deliver this via phone or Skype when required.

We believe in advice, rather than simply selling products.

We aim to build deep and long lasting relationships with all our valued clients.

We will utilise your existing provisions first wherever possible before considering a new plan.

Our core offering is advice, recommendation and on-going review.

We have experts to implement our advice in every area of your needs.

We have clear and transparent fees, and a commitment to keep in touch with you in the style and frequency that suits you best.

At the heart of what we do is our belief that whilst we may all share similar demands, responsibilities, needs and priorities at different stages in life, we are all individuals and need personalised advice.

Our priority is to help our clients plan for the future and ensure that along the way they have protected what is most important, providing the peace of mind that even through life’s uncertainties their financial objectives can be achieved.

We never forget that behind every investment fund , protection policy and inheritance tax strategy is a person, a couple or a family travelling on their own journey through life.

The products and services we offer are designed to respond to your needs whenever and however they might occur, enriching and protecting our clients for generations.

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The stages of financial life where we can help you

Wealth Management Savings, Investments, Tax Planning, Retirement planning

Personal & Business Protection Life cover, Critical illness cover,

Income protection cover, Business cover

Retirement Planning Pension funds, Personal funds,

Company or Trustees Funds

Student loans Lifestyle priorities House deposit

House purchase Marriage/Children

Phased retirement Support children

Inheritance Promotion

School fees Higher salary

Bigger house

Fully retire Smaller house

Lower cash needs Long term care

Bequests

AGE

20 25 30 35 40 45 50 55 60 65 70 75 80 85 90

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Wealth Preservation Estate planning, Succession planning,

Trusts, Key business person

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The TeamGurmeet LandaGurmeet joined the Financial Services industry in 2013 as a Financial Services Apprentice having achieved outstanding results in her GCSE’s and gained a qualification in Business Administration.

Over the last 12 months Gurmeet has gained a great deal of experience assisting Financial Advisers with all aspects of the financial planning process and is now well placed to assist Riverfall’s Financial Planning team in delivering an excellent experience for our clients.

James LeeJames began his career in Financial Services over 14 years ago and has worked for various large financial organisations gaining considerable experience working with clients from all walks of life covering various aspects of financial planning. James works with his clients on a consultative basis, guiding them through the many complex aspects of financial planning to ensure that they fully understand their options, financial plans and recommended solutions.

James prides himself on delivering an all-round great experience for his clients ensuring that they are well looked after through every stage of the financial planning process. His particular areas of specialism are Retirement Planning and Long Term Care funding solutions.

Qualified to Diploma level with the Chartered Insurance Institute and holds the certification for Mortgages, Long term care & Equity release.

Paul CornerPaul is a Chartered Financial Planner, an award regarded as one of the ‘gold standards’ for financial advisers. He has extensive experience in pensions and divorce, working with the legal profession and divorcing clients and is a member of Resolution, the solicitor’s family law association. He is also a member of the Royal Economic Society and an elected Fellow of the Royal Society of Arts.

In addition to general practice he has a particular interest in the fields of at retirement income options (Annuity, Income Drawdown etc), planning for retirement, specialist retirement vehicles (Self-Invested Personal Pensions & Small Self-Administered Schemes), occupational pension schemes (particularly Teachers, NHS & University), implementation of pension sharing orders on divorce and investment planning.

Claire DonaldsonClaire has more than 6 years of professional experience as an Office Administration and Customer Services Manager held in various sectors including Finance, Insurance and Law with a strong emphasis on client relations, responsible for providing administrative leadership and acting as a first point of contact for clients with the office.

With a passion for ensuring excellent client service and that clients are taken care of by placing communication at the forefront of everything she does.

Jessica McGowanJessica began her career in Financial Services 13 years ago and has gained a wide range of experience working with clients from all walks of life covering all aspects of financial planning. She works with clients guiding them through the many complex aspects of financial planning to ensure that they fully understand their objectives, options and desired outcomes.

Jessica prides herself on delivering an excellent service for her clients ensuring that they are well looked after through every stage of the financial planning process.

She is qualified to Diploma level and also holds the necessary qualifications to be termed a Pension Specialist as well as holding the Workplace Pensions qualification for Automatic Enrolment. Her experience lies mainly in planning for retirement with a specific focus on specialist retirement vehicles (Self-Invested Personal Pensions and Small Self-Administered Schemes) which can include property purchase.

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Paul WilsonPaul has been in the Financial Services for over 21 years and in that time has held many senior roles including running his own successful practice. His passion is giving advice and in that capacity he helps clients to significantly improve the quality of their financial life by focusing on their values, concerns and aspirations and working with them to build a financial plan which ensures they are on track to achieve their goals.

Qualifications: Level 4 Diploma in Financial Planning with extensive knowledge and experience In Pensions and Investments.

Shaun BrennanShaun has been looking after clients for 26 years and in that time has helped many families and businesses plan for their future over that time. Helping them to establish and move towards achieving their financial goals.

Qualified to Diploma level with the Chartered Insurance Institute Shaun has a strong commitment to his professional development to ensure that, in an ever more complex world, he remains up to date and is able provide his clients with an exceptional service.

In meeting his clients objectives he offers advice on Pensions, Investments and protection and is able to assist with all aspects of financial planning.

Simon PhippenSimon is a Management Accountant with an MBA in International Business. He has a wide range of commercial experience gained from developing and managing businesses in a variety of sectors including retail, software and financial services.

Vik JumbuVik has been a financial adviser for over 13 years and specialises in Investment and Retirement Planning. He enjoys building long term relationships with his clients.

Having graduated with an economics degree from Manchester University he started his career with a large American Stockbroking firm as an equities dealer, gaining a broad understanding of investments and financial markets. Vik then moved into the retail banking sector and has worked for Barclays Premier and Santander.

Vik enjoys working with private and corporate clients to ensure they have an effective retirement plan, mitigate tax where possible, protect their business and families and effectively manage their wealth.

Anthony ClarkHaving a career spanning over 20 years in the industry Anthony has accumulated a wealth of experience across all aspects of financial planning and is ideally placed to help the team deliver the solutions and experience required to all our clients. In his role as Business Development Manager, Anthony utilises his skill set in both building new client relationships and strengthening existing ones.

Anthony works with our clients and Adviser Team to ensure that our clients are given access to the right advice and matched with the Adviser who has the best knowledge, experience and personality to help them develop a strong working relationship.

Ameeta RanaAmeeta has worked in Financial Services since graduating from Leicester University in 1987. Her first role was with General Accident Life, but she soon realised she would rather work more closely with real people and businesses.

She prides herself in delivering a first class client experience and is an effective communicator with good listening abilities who genuinely cares for her clients and colleagues and treats them with utmost respect. She is also highly driven and motivated by her work especially when the clients have reached their targets and goals to reach their financial freedom.

Guide to our Services

We provide ‘restricted advice’.

• After we have assessed your needs, we will advise and make recommendations for you, but will only offer advice from a panel of leading investment and insurance companies

• Our recommendations will be made following an analysis of our entire range of products

• We will be happy to provide you with a list of the companies on the panel at your request

The financial world can be extremely complex. Analysing and monitoring the enormous diversity of products, funds, wrappers and platforms is time consuming and costly – cost that ultimately finds its way to you, the end consumer.

Having worked with a wide range of clients in all areas of financial planning it became clear to our firm that using a tailored range of handpicked solutions could help with this.

Together with some of the most modern and efficient products available, this has proven to be the best way to cater for many of our clients’ financial needs.

So, by restricting our advice service to a carefully chosen range of products and providers, we are able to remove that complexity and therefore keep costs low, and focus on providing great service.

Furthermore, if an occasion ever arises where we are unable to meet any specific need you might have via our chosen providers, we are able to search the broader market for an appropriate solution.

We believe this approach offers our clients the best of both worlds: a first class range of providers and products designed to meet the vast majority of their needs at a reduced cost, with the capability to look wider should the need arise.

The analysis is carried out centrally at Intrinsic to ensure the offer is of the highest quality, and that it remains up to date and appropriate to meet your needs now and in the future.

The Marketplace we visit on your behalf

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Our fi rm is part of the Intrinsic Group, a Network of over 3,000 Financial Advisers looking after their clients’ interests throughout the UK.Intrinsic is established as one of the leading distributors of fi nancial services in the UK, with a strong track record of delivering great customer solutions.

Intrinsic itself is part of the Old Mutual Group, a FTSE 100 company with real fi nancial strength that offers long-term security for all its customers.

You can read more about Intrinsic and Old Mutual on their website: www.intrinsicfs.com

Delivering real value for moneyIntrinsic is able to use its scale and buying power to drive down the costs with their chosen providers, which in turn delivers great value and reduced costs for you.

Intrinsic is also able to negotiate exclusive products and features that you will not be able to fi nd anywhere else in the market. For example, our range of protection providers offer Intrinsic unique features that are not available to any other advisers in the UK.

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The Data Protection Act 1998The personal information you provide will assist your financial adviser in offering you the best advice as required by the Financial Services and Markets Act 2000. The personal data you provide will be used and stored in accordance with the Data Protection Act 1998. To understand exactly what data we hold, why we hold it and your rights under the Data Protection Act 1998 our Fair Processing Notice can be viewed at www.intrinsicfs.com.

Your peace of mind & protectionWe subscribe and abide by a number of laws, regulations and legislation for your protection, confidentiality, and security.These include:• The Financial Conduct Authority (FCA) – our regulator

• The Financial Services Compensation Scheme (FSCS) – for financial security

• The Data Protection Act (DPA) – for confidentiality

• The Financial Ombudsman Service - we treat you with the highest level of client classification for peace of mind

• Law – all our agreements are in accordance with the laws of England and Wales

The Financial Conduct AuthorityWe are an appointed representative of Intrinsic Financial Planning Limited Wakefield House, Aspect Park, Pipers Way, Swindon, SN3 1SA which is authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited’s FCA Register number is 440703. In cases where we provide mortgage advice, this is covered via Intrinsic Mortgage Planning Limited (FCA Register number 440718).

The permitted business of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited is advising on and arranging pensions, investments, mortgages, life assurance and general insurance.

You can check this on the FCA’s Register by visiting the FCA’s website www.FCA.org.uk/register or by contacting the FCA on 0845 606 1234.

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The Financial Service Compensation Scheme (FSCS).We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim i.e. it differs for investments, insurance, mortgages and bank accounts.

Further information is available from the FSCS.

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LawAll of our agreements provided are governed and construed in accordance with the laws of England and Wales. In relation to any dispute, for your protection you agree to submit to the non-exclusive jurisdiction of the English courts.

Client Classifi cationThe FCA has rules which affect the rights you have as a customer. We classify all our individual customers as ‘retail’ customers. As a retail customer you have rights under the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).

There are other classifi cations of customer that don’t have these rights. These are “professional” customers - such as listed companies, local authorities and larger partnerships or trusts. Also “eligible counterparties” (e.g. national governments and other state bodies, banks or regulated fi nancial services fi rms).

If you have any questions regarding your classifi cation (e.g. if you are a large company), please write to Intrinsic Financial Services Ltd Compliance Department, Wakefi eld House, Aspect Park, Pipers Way, Swindon, SN3 1SA or to the Financial Ombudsman Service and FSCS.

Our Client Charter• We aim to provide a fully

comprehensive service to all of our clients

• We are confident that we will deliver a high quality service that will be amongst the best in the financial services industry

• We continually strive to improve our professionalism through personal development

• We can confirm that we adhere to the principles of “Treating Customers Fairly” as prescribed by our regulator the Financial Conduct Authority

• If any material interest or conflict of interest should arise in business that we are arranging for you, we will let you know and ask for your consent before we carry out your instructions

• Our processes and procedures follow the guidelines as laid down by our business support network - Intrinsic Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority

• If you wish to comment on the services we provide, we are always pleased to receive your feedback as we seek to treat our clients as we ourselves would wish to be treated. If, at any point you are dissatisfied with our service, we will always do our very best to put it right

If you wish to register a complaint, please contact us:In writing: Complaints Department, Intrinsic Financial Services Limited, Wakefield House, Aspect Park, Pipers Way, Swindon, Wilts. SN3 1SA.

By phone: Telephone 01793 647400.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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ImplementationMost of our clients prefer us to

complete, check and manage the documentation required for them to put

‘Your Plan’ into action. This saves them a lot of time and energy, and makes sure plans are set up in line with expectations.

A range of fees are available to support this service.

You may though decide you wish to implement our recommendations yourself, and simply pay a fee for our time and expertise.

Knowing youBy gathering information from you, we get to know what provisions you have in place already that you can utilise.

Then by exploring your attitude to risk and return, and your hopes and aspirations, this will draw us a picture of what you want to achieve.

This stage also allows you to understand what to expect from us and how you will benefit from using our services.

We typically will cover the fee for this stage of the process.

ReviewWe believe all our clients benefit from a review of their circumstances, with the style and frequency decided by you. It is often dictated by where you are on your life stage, as well as your relative level of wealth.

Most clients like to meet up once a year to ensure they do not miss out on valuable allowances, or are unnecessarily impacted by any of the UK Government Budget announcements.

You will also hear from us during the year when we feel something will be of interest to you.

Our process for providing quality advice

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You will receive clear details on what the total charge is, the advice/services it relates to, how it has been calculated and when it is due to be paid.

Please note, you will be under no obligation to implement any recommendations we make, but an advice charge may still be levied for the work undertaken.

PlanningWe’ll explore and research various scenarios and options that will reveal how best to utilise your existing provisions.

We will then make recommendations as to how to build upon your current plans, to help maximise the chances of you achieving your

objectives both present and future.

Risk Management

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0304

You do not have to choose an ongoing service with us, although we believe all our clients benefit from some form of relationship The style and frequency of our service is decided by you, and often is dictated by where you are on your life stage, as well as your relative level of wealth We will confirm in writing the ongoing service agreed, the payment method, the fees agreed, and their anticipated cash equivalent

Most of our clients like to meet up once a year to ensure they do not miss out on valuable allowances or are unnecessarily impacted by any of the UK Government Budget announcements. They also value the peace of mind that their investments are being reviewed on a regular basis, in keeping with their financial objectives.

Financial Partners for life - Our Ongoing Service

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There are 3 key elements to our service:

1. Keeping You Informed:Only sending you pertinent information that we feel is of benefit to you (and not spamming or overloading you!)

2. Valuation Milestone:Providing an update at least once a year to allow a milestone check that your plans are behaving within tolerance and to expectations

3. Personal Safety Net:Making sure that any personal changes in income or assets are not adversely effected by announcements in the UK Government’s budget (e.g. changes in welfare, or income, capital gains or inheritance taxation)

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Engagement, Discovery, Research,

Analysis, Recommendation and

Implementation of advice✓ ✓ ✓

Subscription to the Riverfall Financial

Newsletter ✓ ✓ ✓

Notification of changes of address and

name to your product provider

on request✓ ✓ ✓

Forwarding of policy statements and

documents ✓ ✓ ✓

Unlimited Adviser Telephone &

Email Access ✓ ✓

Quarterly Investment Bulletin ✓ ✓

Annual review of your objectives,

investment approach and fund switches

Min Fund value £80,000.

(Available on request at additional cost for

smaller funds*)

✓

Six-monthly Portfolio Report detailing

all investments held with Riverfall ✓

Access to the online client portal giving

you 24 hour access to your portfolio

valuations (Live from Q2 2015)✓

End of Year Taxation information and

Strategic updates supplied to your

accountant (as required)✓

Solutions ActiveWealth

Managment

Initial Charge Pre agreed fee or provider commission (commission for protection and mortgages only)

Ongoing Service Charge N/A 0.75% of fund value p.a.0.75%

Min £1,500 pa

Annual Review* * For funds less than £80,000 an annual review is charged at £600 less the total ongoing Service Charge Received in last 12 months

• Payment for our services will be on the basis of an agreed Advice Fee

• Whether you choose to take up our ongoing service offer or simply want us to help you with a one off financial need, you can choose how you pay us

• We will discuss your payment options with you and answer any questions you have

• We will not charge you until we have agreed with you how we will be paid

• A description of the options for making payment of fees for initial advice and ongoing service charges is set out below

• You will receive clear details on what the total charge is, the advice /services it relates to, how it has been calculated and when it is due to be paid

• Please note, you will be under no obligation to implement any recommendations we make but an advice charge may still be levied for the work undertaken

How to pay for our services

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It is important that you understand how we will be paid for our services

Provider FacilitatedFollowing our advice, if you decide to invest (e.g. through regular premiums, a lump sum or a transfer), the initial advice charge can usually be taken from the payment(s) given to the Product Provider.

An ongoing charge for service can also be taken from your investment. In some circumstances this may give rise to a capital gain and a possible tax liability which would be taken into account in our recommendations.

Paying Directly Alternatively, you may pay us directly by cheque or bank transfer.

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What our clients have to say“I am continually impressed by Paul’s efficiency and expertise as well as that of the Riverfall team. Thanks to Paul, I can once again look forward to my retirement and enjoy the travelling I have planned.”

“Ever since I started my career I’ve had the comfort of knowing Paul who ensured that I had the proper level of life and health protection. He has also assisted me with my mortgage, savings and retirement planning needs. Paul’s advice throughout the years has put me in a strong financial position today.”

“James is always very professional, reliable and enthusiastic in his work. He listens carefully, explains things well and nothing seems to be too much trouble for him. He has literally taken away all the worries I had concerning my investments. I am more than impressed and would like to thank him for all the work he has done on my behalf.”

“Shaun has a professional and clear way of explaining your best options to you. I want to thank Shaun for looking into this for me and I would have no hesitation in recommending Riverfall Financial to anyone who needs pensions advice.”

“Paul explained things in a simple, easy to understand manner. When he advised he always explained why he was advising that course of action. We found him very easy to talk to. Would certainly recommend him to anyone.”

“I just want to thank you and your colleagues for all your work. You have been so efficient, pleasant and helpful. In these days of grim customer service it has been so refreshing for me to have experienced this level of attention to detail and responsibility”

“Thanks for being an interesting character Paul! Obviously excellent knowledge in subject area.”

“You probably only look to invest your pension pot once in your lifetime and the advice is to look around. I was highly delighted with your approach in taking me through the financial maze. The results, fees and attention to detail were all much better than expected. You have a very pleased client.”

“Ever since I started my career I’ve had the comfort of knowing Paul who ensured that I had the proper level of life and health protection. He has also assisted me with my mortgage, savings and retirement planning needs. Paul’s advice throughout the years has put me in a strong financial position today.”

“The advice received from Jessica made all the difference in the management of my pension. The selection of the new provider and the smooth transfer of the funds, under a tight schedule, was undertaken impeccably.”

“Jessica quickly picked up on my requirements and acted them out accordingly. I was kept up to date at all times. While I delayed in my decision I was put under no pressure to make a quick decision. First class service, all deadlines kept.”

“Extremely efficient and professional, and pleasant with it.”

“Jessica was able to get me a better return on my pension than I could myself, and her help getting all the paperwork through was outstanding”

“In just a couple of friendly phone calls, Jessica has provided me with the clear and unbiased advise I have been seeking for some time about investing and drawing benefits within SIPPs the process has been a smooth one thanks to your regular attention to the steps involved. Your own and your company’s professional approach has been much appreciated.”

Other topics we feel you ought to know about

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• Financial Crime - We support the Proceeds of Crime Act and all efforts to eliminate Money Laundering

• Terms of Business - Please read this separate document, as it sets out more detail regarding our fees and services

• Other Interests - We pride ourselves on being impartial, and to avoid any doubt will share any possible conflicts with you

• VAT - We provide an intermediation service which means no VAT is payable, but there may be times when it is

• Loans and Ownership – We want you to know who owns the Network we belong to

• Client Money - We never handle client cash

Financial CrimeAll transactions relating to the services provided by us are covered by Money Laundering Regulations and the Proceeds of Crime Act.2002. The FCA also requires that we have appropriate measures in place to prevent the furtherance of financial crime.

Our responsibilities include but are not limited to verifying the identity and address of our clients and any third party making payments on their behalf. If required you must supply proof of your identity in accordance of the above Regulations. Identity verification checks may include electronic searches of the electoral roll and the use of credit reference agencies, which will result in a soft ‘foot-print’ on your credit records.

This foot-print is not visible to other financial service providers and does not affect your credit rating in anyway. In accordance with the Data Protection Act 1998 acceptance of these terms and conditions represents your permission for us to access this information.

Terms of BusinessWe aim to ensure all our documents and information are clear and transparent. In the case of any potential ambiguity between the Terms of Business and this Guide to Our Services, the Terms of Business takes precedent.

Loans and OwnershipIntrinsic Financial Services Limited owns 100% of the share capital of Intrinsic Financial Planning Limit-ed and Intrinsic Mortgage Planning Limited. Old Mutual Wealth Life Assurance Limited owns 100% of the share capital of Intrinsic Financial Services Limited.

Client MoneyWe do not handle Client Money. We never handle cash and will only accept a cheque made out to us in settlement of Advice and Service Charges. Our preferred method of payment is via bank transfer.

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VATThe service we provide is described as an ’intermediation’ service. This means we provide advice with the intention of recommending a product. If we did not do this we would be liable for VAT on the fees charged. VAT is not applicable on the fees we charge for intermediation services. In arranging the sale of retail financial products an adviser charge made for advice, even if you decide not to proceed with the purchase of the recommended product, will remain VAT free where the adviser has provided you with full advice services up to that point, including all relevant documentation.

The adviser charge made for an ongoing service is also VAT free provided it is in respect of an intermediation service. This means activities such as topping up an investment or utilising available investment tax allowances, such as the ISA allowance. In the event that the advice services we provide become ancillary to our intermediation services, VAT may become chargeable (e.g. we review your entire financial circumstances but make no or limited recommendations).

Should this change in the future, and where VAT becomes due, we will notify you before conducting any further work. In any case, where VAT is payable on our services it will be charged in addition to the agreed fee - e.g. a pure referral to our Discretionary Fund Manager (DFM) will be liable to VAT, but where DFM forms part of a solution as part of our ‘intermediation’ service, then no VAT is chargeable.

Other InterestsIntrinsic has a number of payment arrangements with various product providers to facilitate adviser learning and enhance the outcomes for our customers. Further details are available on request.

GTOS.PER.RES.01

Suite 311 RTEC, Rushcliffe Civic Centre, Pavilion Road, West Bridgford, Nottingham, NG2 5AW

Phone 0115 824 0186

Fax 0871 750 2360

e-mail enquiries@riverfall-financial.co.uk

www.riverfall-financial.co.uk

Riverfall Financial Ltd is an appointed representative of Intrinsic Financial Planning Ltd and Intrinsic Mortgage Planning Ltd which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial and Mortgage Planning Limited is entered on the FCA register (www.fca.org.uk/register) under reference 440703 and 440718. Riverfall Financial Limited is a company limited by shares and registered in England and Wales, registration number 9039220.