HomeWhether you require advice on one specific area or a full financial review we are here to help you.
Our advisers will spend time discussing your requirements with you, allowing us to understand exactly what it is you are trying to achieve. Only then will we make our recommendations to you.
Where it is appropriate our advisers will agree with you program for regularly reviewing your financial affairs, ensuring that you are on track to meet your goals.
We want you to get to know our advisers and feel comfortable with them which is why initial meetings are without cost or obligation.
We provide advice on all areas of financial planning, including:
Protection Planning |
Whether your need is for Life Cover, Critical Illness Cover or Income Replacement our advisers will take time to explain the options available so you can make an informed decision about the cover you select. We are independent so we can source the best quality contracts to ensure that you and your family are protected should the worst happen. |
Pension Planning |
Constant changes to pension rules make this area confusing. We will help to make sense of your pensions, analyse existing arrangements, look at their performance whilst comparing the potential future values to your goals, and advise on how any shortfalls can be met. For those with more complex requirements our advisers are experienced in dealing with SIPPs and Occupational Pension Schemes. Of course, if you are brand new to retirement planning, we will help start you off on the right track |
Investment Planning |
With stock markets volatile and interest rates at an all time low, investing money in the current climate is not easy. We will review existing arrangements, taking into account performance, tax efficiency, and your goals, and offer our advice to make your money work harder for you. |
Retirement Options |
Whether you have reached your planned retirement age, would like to retire early or simply find our if you can afford to stop working, let us guide you through the range of options available and help maximise your income. Our expert Advisers will consider all options available to you, including Conventional, Enhanced, Investment and Fixed Term Annuities, Phased Retirement and Income Drawdown, to make sure that you take the course which is right for you. |
Taxation Advice |
Reducing the tax you pay is ever more vital in these times of higher taxation and low interest rates. We will review your investments to ensure they are as tax efficient as possible, considering how you can minimise income and capital gains tax, and make your money work harder for you. The Financial Services Authority does not regulate tax advice. |
School Fees and University Planning |
We will guide you through this area, listening to the aspirations you have for your children, calculating the cost of meeting these goals and then putting in place a plan to ensure funding is there when needed. |
Estate Planning |
Ensuring that your estate is passed to beneficiaries in accordance with your wishes and with as little Inheritance Tax paid as possible is important to many people. We will work with your Solicitor, or indeed recommend a legal adviser should you not have one, to review existing arrangements and suggest any alternatives |
