Whatever your stage of life, it is important that your retirement planning is on track to ensure you protect your income requirements in the future. We can help you plan to enjoy your retirement and assist you towards financial independence.
With so many choices available it is fundamental to seek independent financial advice to help you find the most suitable investment solution.
Together we can consider your investment choices taking time to explore the purpose, timeframe, taxation status and any other personal preferences you may have such as ethical criteria’s.
Inheritance Tax and Trust Planning
We can help you identify the most appropriate solution for you when considering reducing or eliminating a potential inheritance tax burden. In addition we can assist you in ensuring that your wealth cascades to the next generation as and when you choose through careful trust planning.
(Please note Inheritance Tax & Trust Planning are not regulated by the FCA)
Lifetime Mortgage – Equity Release
We can assist you release the potential capital in your home by utilising a Safe Home Income Plan (SHIP). By releasing equity from your main residence you will have the opportunity to satisfy any future financial needs you may have and enjoy your dreams.
Long Term Care Planning
Are you faced with having to oversee a relative’s entry into long term care or wish to consider future planning options?
Discussing this area of planning before you need to is always the best way forward. We can help you through this process in a sensitive manner.
When considering a mortgage, whether it be a new purchase or a remortgage we will search the whole of the market on your behalf to meet your objectives.
We can also help with your protection requirements in regards to your life cover, critical illness and income protection needs.
How we are paid
Our initial client meeting is on our expense with no obligation to you with the view of exploring and discussing your financial planning requirements going forward.
The aim of the first meeting is to establish your planning goals and objectives taking into account your current position and how we can partner with you to reach your chosen financial destination.
As a practice we currently offer four levels of service; Foundation Service, Financial Planning Service, Wealth Management Service and Bespoke Individual Service, which are all designed to reflect the value and complexity of your financial planning requirements. We appreciate that all our client’s are unique and so we will endeavour to offer a tailored service to you encompassing your individual wealth plan.
Since January 2013 following the Retail Distribution Review from the the Financial Conduct Authority we now operate within a fee based environment, with the exception of pure protection planning, where by we can offer the choice for our fees to be deducted from the investment or paid directly by you.
We aim to bring transparency on all costs and charges for our services which will be expressed in our Client Agreement and Service Proposition and Engagement for your perusal given to you at our initial meeting.
These documents can also be found here.