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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Carl Fletcher Jade Fletcher Jade Fletcher Trainee Financial Adviser / Mortgage Adviser 07852 423 557 jade@fletcherfs.com At work Jade specialises in mortgage and protection advice. Having worked in the financial services industry for more than 15 years, she is currently completing her studies to become a fully qualified financial adviser, where she will be able to advise in all areas including pensions, investments and savings. At home Jade has two daughters, Ella-Mae and Daisy. Together they love being outside, whether it’s walking in the countryside with their dog, Ben, or out horse riding. When not at work, Jade enjoys seeing friends and family, as well as visiting their holiday home in the peaceful setting of Bamburgh. Jade in the spotlight On an ideal weekend you can find me: The first album I bought was: If I could be any fictional character, I would be: My favourite holiday destination is: My favourite song to sing in the car is: Getting plenty of fresh air with the kids and animals in my life Grease the soundtrack; if I wasn’t watching the movie I was listening to the soundtrack while dancing around my room Definitely a Disney princess; with the fairy tale castle and a fabulous collection of dresses and shoes Somewhere peaceful, near the sea, with the sun shining Anything I can sing along to loudly and embarrass the kids Likes Anything to do with horses Meals out with friends Walks in the country Weekend breaks Light summer evenings Dislikes Rainy days Bad coffee Driving long distances Spiders Being late Meet Carl Carl Fletcher Director Get to know Carl Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Carl Fletcher Jade Fletcher Carl Fletcher Director 07940 527111 carl@fletcherfs.com View FCA Entry View SPS At work Carl is a fully authorised, Independent Financial Adviser. With more than 40 years’ experience in the industry, he’s committed to providing the highest quality service to his clients. Before becoming a directly authorised Independent Financial Adviser in 2006, Carl was a partner with St. James’s Place Wealth Management, and prior to this held senior management positions in various parts of the country with a national life assurance company. setTimeout(function(){contentLoaded(window, function(e) {vf_get_ratings("MzU1Mw==", "vf-prof-3553")});}, 1500); At home Carl has been married for 35 years and has two daughters and five grandchildren. He’s lived in North Yorkshire for nearly 30 years, and in his spare time enjoys walking and vising the family holiday home in Northumberland. Carl in the spotlight On an ideal weekend, you can find me: My favourite holiday destination is: My favourite song to play in the car is: If I could be any fictional character, I would be: The three small things that make my day better are: My proudest moment as a Financial Planner was: In Northumberland walking on the beach and dune surfing. In the UK, Bamburgh. If made to fly, Santorini. Hotel California Frasier Crane (from Cheers) Grandchildren, sunshine, Merlot Having reached the top of a national financial services company after 25 years, having the nerve to leave and set up my own company in 2006. Likes Toblerone Sunny days Happy people Holidays with grandchildren Holidays without grandchildren Dislikes Cold weather Dark nights Mice Airports TV soaps Meet Jade Jade Fletcher Trainee Financial Adviser / Mortgage Adviser Get to know Jade Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance About to retire The transition from work to retirement can bring with it many opportunities, but it’s natural to have some worries. Many of our clients come to us asking: “Do I have enough money to last the rest of my life?” “Can I afford to do the things I want?” “What happens now?” We can help put your mind at ease. We’ll work with you to ensure your finances are set up to support you throughout your retirement. We will explore your income options and project how much you’ll need in relation to your objectives, removing the worry of the ‘what if?’ questions. Whatever your dreams in retirement, we can help to give you confidence in your financial future, so you can live comfortably – without fear of running out of money. Judith & Nigel About to retire How we can help Understanding your options We will explore the income options available to you and create a financial strategy designed to help you make the most of your pension pot. Achieving your retirement goals Whether it’s a holiday of a lifetime, trying new hobbies or simply spending more quality time with your loved ones, we can help ensure your finances support your goals. Estate planning If you’re considering passing on some of your wealth, we can provide Inheritance Tax planning services to help ensure more of your estate goes to the right people. Peace of mind Above all, we aim to provide you with the kind of advice that gives you peace of mind for the future, so you can enjoy your retirement without having to worry about money. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE NATIONAL SAVINGS & INVESTMENT PRODUCTS The value of investments may fall as well as rise. You may get back less than you originally invested Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance About you Are you... Planning for retirement It's never too soon to start planning for life post-work. We can help provide peace of mind for what's to come. Learn more About to retire The transition from work to retirement can bring with it many opportunities. We can help you make the most of them. Learn more Looking for a mortgage Arranging a mortgage is a big decision for new and experienced buyers alike, and it can be a complex process at times. Learn more Looking to invest A tailored investment strategy can be one of the most effective ways to grow your money and reach your goals. Learn more Looking For Insurance We believe that financial products are sometimes at their most useful when they’re protecting the things that truly matter. Learn more Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Your team Carl Fletcher Director Get to know Carl Jade Fletcher Trainee Financial Adviser / Mortgage Adviser Get to know Jade Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Committed to independent advice We are a firm of independent financial advisers based in Ripon, North Yorkshire. With a combined experience of 45 years in the industry, we specialise in helping people achieve their goals through a long-term, tailored approach to financial planning. We’re committed to delivering independent advice. We recommend products and services offered by leading companies in every field – without bias. Our loyalties are always to our clients. Whatever your circumstances and your goals, we’re here to provide practical and relevant solutions to help you reach your financial objectives. Members of the Personal Finance Society As a PFS Associate Firm, we have clearly demonstrated our professional standards and ethics as a business. It’s a sign of our integrity and willingness to act in the best interests of our clients. setTimeout(function(){contentLoaded(window, function(e) {vf_get_ratings("MzU1Mw==", "vf-prof-3553")});}, 1500); We're on VouchedFor VouchedFor is the UK’s leading review site for financial advisers and mortgage advisers. We’re proud to have received a large number of 5* reviews from our clients – just click on the badge to read them. Carl Fletcher Director Get to know Carl Jade Fletcher Trainee Financial Adviser / Mortgage Adviser Get to know Jade Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Get in touch Get in touch If you would like to find out more about how we could help your situation, simply get in touch and a member of our team will give you a call to discuss in more detail. carl@fletcherfs.com 01765 530430 7 The Stables, Newby Hall, Ripon, HG4 5AE Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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MENU 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog 01765 530430 carl@fletcherfs.com Contact us Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Meet us Your team About you Planning for retirement About to retire Looking for a mortgage Looking to invest Looking For Insurance Client stories Why choose us The client journey FAQs Blog Trusted, Independent Financial Advisers in Ripon since 2006 Discover more Are you... Planning for retirement It's never too soon to start planning for life post-work. We can help provide peace of mind for what's to come. Learn more About to retire The transition from work to retirement can bring with it many opportunities. We can help you make the most of them. Learn more Looking for a mortgage Arranging a mortgage is a big decision for new and experienced buyers alike, and it can be a complex process at times. Learn more Looking to invest A tailored investment strategy can be one of the most effective ways to grow your money and reach your goals. Learn more Looking For Insurance We believe that financial products are sometimes at their most useful when they’re protecting the things that truly matter. Learn more Why choose us? Client loyalty is the foundation of our service. It’s why so many of our clients not only come to us in the first place but stay with us for many years after. Find out more about why people trust us. Learn more Carl Fletcher Director Get to know Carl Jade Fletcher Trainee Financial Adviser / Mortgage Adviser Get to know Jade setTimeout(function(){contentLoaded(window, function(e) {vf_get_ratings("MzU1Mw==", "vf-prof-3553")});}, 1500); We're on VouchedFor VouchedFor is the UK’s leading review site for financial advisers and mortgage advisers. We’re proud to have received a large number of 5* reviews from our clients – just click on the badge to read them. Members of the Personal Finance Society As a PFS Associate Firm, we have clearly demonstrated our professional standards and ethics as a business. It’s a sign of our integrity and willingness to act in the best interests of our clients. Meet our clients Colin Prestwich Planning for retirement Debbie Shaikh Planning for retirement Judith & Nigel About to retire Richard Langley Looking to invest Richie Groves Looking for a mortgage Ceri Thomas Planning for retirement Contact us If you’d like to learn more about our services or arrange an initial meeting, we’d love to hear from you. Simply fill in the contact form and we will be in touch shortly. I have read and agree to the Privacy Policy. Submit Sign up to our newsletter Submit I have read and agree to the Privacy Policy. Fletcher Associates is registered in England and Wales no. 5899635. Registered office, 7 The Stables, Newby Hall, Ripon, HG4 5AE. Authorised and regulated by the Financial Conduct Authority. Fletcher Associates is entered on the Financial Services Register https://register.fca.org.uk/ under reference 456034. If you wish to register a complaint, please write to carl@fletcherfs.com or telephone 01423 224240. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567. Copyright © 2025 Fletcher Associates IFA Cookie policy Privacy policy A Production {"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp-*.php","\/wp-admin\/*","\/wp-content\/uploads\/*","\/wp-content\/*","\/wp-content\/plugins\/*","\/wp-content\/themes\/fletcher-theme\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} We are using cookies to give you the best experience on our website.You can find out more about which cookies we are using or switch them off in settings. 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