Our Services

Clients tell us that they appreciate the way we bring the complex world of financial services into plain everyday English. We have helped them to meet their objectives in respect of Investments, Estate Planning, Pensions and Long Term Care Planning.

We will always keep you advised about WHAT we recommend, WHY we recommend it and WHAT you can expect to achieve.

Above all, we have a commitment to all of our clients to provide straightforward, honest and effective advice.

Although we do have many younger clients, typically our clients are aged over 50. We work best in the following core areas of advice:

  • Investment Planning
  • Retirement Planning
  • Estate Planning

Our advice is based on maintaining and enhancing personal wealth, whether in Pension funds for retirement, ISA portfolio or other accumulated savings; or family/inherited wealth.

Investment Planning

Investment planning is about creating, maintaining and reviewing an appropriate portfolio to achieve a financial goal, usually subject to other criteria such as Investment Risk, Taxation, Capital Access, etc.

It involves analysis of asset allocation, risk profile, tax efficiency and income or growth potential. It could be a portfolio ranging from Cash deposits through Unit and Investment Trusts, Investment Bonds to significant shareholdings. The portfolio might be held in different types of ‘tax wrapper’; - ISA, or offshore funds. Some assets may be held within a formal trust for other beneficiaries.

Retirement Planning

This might require a review of different pension arrangements built up under different rules.

Rather than pure investment analysis, we would need to review what rules applied to the different schemes and how to maximise the benefits from each. Potentially how to protect an entitlement to large tax free cash, for instance.

All of these factors clearly vary from case to case, but the most important variable that we take account of is often the hardest to pin down precisely – individual circumstances, aims & objectives. The major value in our service is aligning our clients’ investments and finances with their circumstances and goals – then maintaining them as circumstances (and goals) change.

Estate Planning

This involves structuring your assets so that you are maximising what you pass on to your loved ones, and ensuring that it goes to those that you want it to go to! This is also likely to need us to consider other non-investment issues and focuses on preserving your wealth, protecting your assets from threats such as:

  • Inheritance Tax
  • Long Term Care costs
  • Future Family disputes or breakups

The Financial Services Authority does not regulate will writing, finance and taxation and trust advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

This is a Lifetime Mortgage or Home Reversion Plan. To understand the features and risks, contact us for your personalised illustration.

There may be a fee for lifetime mortgage or home reversion plan advice, the precise amount of the fee will depend upon your circumstances but we estimate that it will be £395.

Contact us today to arrange a meeting at your convenience.