I am an Independent Financial Adviser (IFA) Partner of Positive Solutions. My aim is to help clients understand, protect and increase their assets by advising on a range of products and services from across the market. I can give local, knowledgeable advice which is backed by one of the largest IFA firms in the UK. I act on behalf of my clients, not for any product or service provider and give impartial, independent advice. I advise on products from the whole of the market place. I am authorised to advise on and arrange life assurance, pensions and investments in (authorised) collective investment schemes, unit trusts, ISAs, mortgages and associated insurance products. Our initial meeting is free of cost or obligation and we will always agree in advance how I will be remunerated. As an Independent Financial Adviser, I can be remunerated by fees, commission or a combination of both. Your personal information is kept private and confidential, even when you are no longer a client. Spencer Franks is a trading style of Positive Solutions. Positive Solutions (Financial Services) Ltd. is authorised and regulated by the Financial Services Authority. Registered as a Limited Company In England And Wales No. 3276760 Registered Office: Positive Solutions (Financial Services) Ltd, Riverside House The Waterfront Newcastle upon Tyne NE15 8NY The value of investments and pensions can fall as well as rise. You may get back less than you invested Your home may be repossessed if you do not keep up repayments on your mortgage