Successful financial advice is a combination of experience, expertise and the ability to communicate the complex language of the financial services industry, fluently, in a way that ensures all parties understand what’s involved. But just as important is the ability to react to the evolving financial landscape.

There is a constant stream of regulatory change from the government and the Financial Services Authority (FSA). At Fluent, we pride ourselves on our ability to combine your planning needs with the demands of these bodies. This confluence is the key to our success – and yours.

Finance is an increasingly complex field. It is crucial that companies, professionals and individuals are provided with advice in a straightforward, concise manner.

We provide high quality professional advice. We will:

• Listen to your needs, where you are now and where you want to be in the future
• Help you, by explaining the way forward. Planning and advising you on the most effective and sensible route, guiding you
• Help you to understand the complexities of investment
• Give you face to face advice, in a simple, professional manner
• Assist you in making investment decisions and support you with regular reviews
• Provide proactive management of your investments in line with your changing financial circumstances.

And if you are an employer or professional, we will:

• Provide you with solutions to your employees’ and clients’ needs
• Assist you in strengthening your employer/ employee and client relationships
• Assess your company to ensure you are optimising financial efficiency
• Enable you to get on with running your business.

Fluent Independent Financial Advisers provides unbiased, fully independent financial advice, with no ties to any product provider.

Fluent Independent Financial Advisers Limited is Authorised and Regulated by the Financial Services Authority.

Introducing the influential people behind Fluent:

Chris Regan: PFS dip

Managing Director

With over twenty five years’ experience in the industry, ranging from sales through to senior executive management, Chris’ accomplishments include creating and directing the largest

UK Independent Financial Advisory company within the financial services industry, realising income of over £100m pa. Whilst Managing Director, the company was awarded Top UK IFA in 2002 and 2003 (Source FT Adviser) with a track record for profit in excess of 38% compound growth yearly over 5 years.

In 2003, Chris decided it was the right time to utilise his experience and knowledge by creating his own company, Fluent IFA Limited, realising a lifetime ambition. By focussing on the provision of financial education, particularly in the workplace, Chris has a unique ability to communicate on all levels in a way that is both understandable and informative. Fluent has thrived as a result, developing into one of the most respected financial services companies in the public sector.

Teresa Caheny

Director

Teresa brings to Fluent over twenty years experience within the corporate and retail financial services market place. Progressing through to executive management level, past employment includes some of the most reputable investment houses in the UK, such as Oppenheimer, Gartmore, County NatWest, Bank of Ireland Asset Management and Woolwich Fund Managers. Teresa's broad spectrum of roles undertaken include business development, marketing and communications, financial administration and compliance. This experience enables Fluent to provide its clients with the assurance that the Director’s breadth of knowledge and experience are second to none, enabling Fluent to operate within the strict codes of practice required by its regulators, the Financial Services Authority.

Who's Who

Both Chris Regan and Teresa Caheny appear in the 2008 edition of 'Who's Who' of Britain's Most Successful Business Owners.  The book recognises members of the British business community who have achieved notable success and in today's competitive market, it is no mean feat to be identified amongst such a high performing group.
 
Those included in the publication must have achieved certain criteria, setting them apart from their contemporaries, such as; business net worth in excess of £100,000, year on year increase in net worth, positive company credit rating, adherance to accounting obligations at Companies House, amongst others, have been applied to narrow down the initial selection to the top performers in the category.
 
The range of executives included in the book, from so many different fields of business, (not just finance) shows the determination and sheer hard work Chris and Teresa have applied to their business since it's inception in 2003.  They were delighted to be included, reaping the rewards and recognition of their successful enterprise.