What we do
We save our clients time and help them gain a better understanding of their financial circumstances by providing tailored financial advice.
We help clients identify and set goals, move closer to them and deliver real financial security. Understand and be able to answer life’s important questions.
- When will I be able to afford to retire?
- Will there be a time in my life when I run out of money?
- Am I taking too much (or too little) risk with my investments?
- What will happen to my family if I am unable to work?
- Will I be able to afford my children’s University or Private Education fees?
- How much Inheritance Tax will my children have to pay when I die? How can I reduce that?
Experience tells us that many people recognise the important of these questions, but rarely give enough thought to the answers and appreciate assistance in clearing the fog.
Financial planning is an ongoing process designed to help you utilise your money in the most effective way to meet your goals. It’s not just about buying financial products like insurance or a pension.
Our financial advice service will look at all aspects of your current financial position, we will take the time to understand what your goals and objectives are, now and for the future. With a full understanding we will work in partnership with you to make your wealth work efficiently towards your goals – whether it is about investment management, protecting you from financial risks or building tax mitigation plans.
When and where there is a need for a financial product, we will take the time to research the market and make recommendations on products that are most suited to your individual needs and circumstances.
Your mortgage is probably the biggest financial commitment you will make in your lifetime. We are not tied to any one lender, so we can focus on obtaining the most suitable mortgage for you and your circumstances.
Once we understand your circumstances and requirements for a mortgage we will research the whole market to identify an appropriate lender with the most suitable deal and work with you to complete all the underwriting requirements and put the mortgage in place.
Whilst we do not like to consider worst case scenarios, it is important to do so. Our range of planning services will help to ensure that your family are financial secure in the event of death, serious or critical illness, or if you are unable to work as a result of unemployment, accident or sickness. We are able to provide advice on insurance products including
- Life assurance
- Critical Illness Cover
- Income Protection Insurance
- Accident, Sickness & Unemployment Cover
Speak to us today and we will work with you to ascertain the types and levels of cover you require as make recommendations on appropriate providers and assistance in setting the policies up.
Lump Sum & Regular Savings
Whatever your objective, saving on a regular basis will help you achieve your goals and we can help advise on a range of savings plans and investments. It is important to have some money readily available to meet any immediate or short term cash flow problems you may encounter – but after that it is vital to invest in other assets to make sure the value of your money is not eroded by inflation.
As your savings grow, we will apply our investment management principles to look after your growing wealth.
Managing your investment portfolio is more than just picking the right stocks. In fact, short-term stock-picking is a proven poor strategy. We take a long-term holistic view of your portfolio, utilise tax allowances and bands appropriately and make sound investment decisions that are built around your attitude to investment risk and the term of investment.
We will advise on investment vehicles and products to make recommendations for investments that are most suited to your individual goals, objectives, term and attitude to risk.
Pensions & Retirement Planning
Pension rules in retirement have changed, giving much greater control and flexibility at retirement, but with great power comes great responsibility. We will work with you over the period to retirement, set goals for the pension fund you will need to live the retirement you desire and once in retirement, consume your wealth in the most efficient way possible to preserve your wealth for as long as possible.
Inheritance Tax & Estate Planning
For many, Inheritance Tax is not a big priority, yet HMRC receipts continue to grow. With correct planning, Inheritance Tax can often be mitigated. We employ a range of solutions that don’t necessarily mean gifting money away. Maintain control of your hard earned wealth, make effective use of your and your spouse’s Inheritance Tax allowance and pass as much of your estate onto your beneficiaries as possible.
The value of investments and pensions and the income they produce 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.