PERSONAL ADVICE
In today’s modern world with unpredictable world events, volatility in financial markets and political instability, keeping your investments and pensions diversified and your financial planning fluid and flexible has never been more important.
That’s why we strongly recommend our on-going advice in order to protect the wealth you have accumulated and make your pensions and investments work every bit as hard as you have.
As professional financial planners we offer a wide range of services for clients in all different life stages.
Some of our more popular services:
Full financial review
A full review is a great place to start if you’ve never had financial advice before or if it’s been a while since you had a financial check-up. We review any existing policies against the market, alerting you to any shortfalls and help you plan towards your personal financial goals.
Pension funding and investment advice
We research the whole market to implement the best pensions and investments with online functionality and access to leading fund management groups. We provide fund advice, ensuring your funds match your risk profile and we make sure your investments are highly diversified.
We can also help you make use of your available tax allowances, such as your ISA allowance.
Ethical portfolios
This is a growing area for many of our clients who want to invest their pensions and ISA’s in ethical or socially responsible funds. These funds actively look to invest in companies making positive contributions to society and the environment and avoid investing in companies that, for example, test cosmetics on animals or derive income from tobacco or gambling.
Consolidation of policies
Many new clients we take on have previously accumulated a variety of different pensions, ISA’s and other investments over the years. We review the options of consolidating these into modern arrangements with online facilities and access to leading fund management groups to improve administration and potential returns.
Ongoing advice for pensions and investment funds
With constant changes in government legislation, tax rules and unpredictable world events, pensions and investments need a regular review to keep them on track. We provide a comprehensive service so once your financial plan is in place we adapt it to changes in your circumstances or government legislation. We meet up with you yearly face-to -face and implement any necessary fund switches.
Insurance advice
We can give you informed advice on insurances to protect your income, mortgage and family against death or serious illness. If you already have insurances in place we can review these against the market for a price comparison. We can also check the features of your insurance policies to make sure they are right for you and fit with your needs.
Inheritance tax planning
We can help you estimate any potential inheritance tax liability on your estate and offer advice on how to mitigate this tax liability. Please note The Financial Conduct Authority does not regulate will writing, taxation and trust advice.
