User:Howard John Scott

Howard John Scott is a Financial Planner and an Investment Manager based in Bolton, Greater Manchester in the United Kingdom. He is a member of Chartered Insurance Institute the and the Chartered Institute for Securities and Investment.

History
Howard began his industry experience when he joined Abbey Life in 1987. He became a Senior Financial Adviser and qualified for conventions from 1990 till the time he left in 1997 completing 10 years service almost to the day. He was based at Manchester Central Branch.

He left to become a network independent financial adviser joining Financial Options, now Sesame in March 1997. In early 2003 he applied to the Financial Services Authority for direct authorisation which resulted in him leaving Sesame and becoming a directly authorised independent financial adviser.

On D-Day (Depolarisation day for financial services in the UK) Howard took the business fee only and concentrated on managing his clients' investments.

In October 2012 the firm, Independent Advice Ltd., obtained discretionary fund management permissions from the FSA, now FCA.