Trusted Financial Guidance
Our Financial Services
As Chartered Financial Planners, we provide discreet, personalised financial advice tailored to your circumstances and long-term ambitions. Our focus is on clarity, independence and delivering the highest standards of professional service.
Pensions
Planning for your retirement, as early as possible, is one of the most important decisions you may make in life. Ensuring your financial security for retirement can be both rewarding and reassuring.
Whether you are just starting to save, experiencing a change in circumstances or moving into retirement, we will identify the solution which best suits your personal requirements. This can include reviewing existing plans and setting up new pension arrangements.
Our experienced Chartered Financial Planners can help with Personal Pensions, SIPPs or SSASs in accumulation and decumulation. Once you are ready to take benefits from your pension set-up, we can assist you with planning an efficient method for enjoying your pension benefits. This may include taking income, tax free cash or phased retirement.
As Chartered Financial Planners, we have a professional commitment to raising standards of knowledge and technical competency which means you can expect the highest quality service. Having satisfied rigorous criteria, you can be confident that you are dealing with Chartered Financial Planners who are wholly committed to providing you with the best possible individual financial plan.
Investments
Investing wisely is one of the most fulfilling and valuable ways to manage and enjoy your financial assets. For over 50 years, we have helped clients with their short, medium and long term financial planning. We provide a holistic, honest approach assisting with choosing tax efficient solutions such as ISAs (including Junior ISAs and Lifetime ISAs), Investment Accounts and Onshore & Offshore Bonds.
Model Portfolios
We run in-house model portfolios across different risk spectrums and financial goals. These model portfolios are constructed with asset, fund and geographical allocations, considerations for risk & volatility and a focus on diversification.
As part of our investment proposition, we regularly monitor our model portfolio performance, volatility and risk against sectors and benchmarks. We meet fund managers for discussions regarding funds styles, the underlying holdings, macroeconomics and investment outlooks to assess and review the best possible investments for the model portfolios and further investments.
Protection
Financial protection guards you and your family against issues which may occur due to unexpected events such as injury, illness or death. Whilst it may be unpleasant to imagine the worst, planning cover sooner means worries about such events can be alleviated during emotionally distressing times.
We can assist with implementing Income Protection, Mortgage Protection, Shareholder/Partnership Protection and Key Man Cover.
Inheritance Tax Planning
While most people are aware of the existence of Inheritance Tax (IHT), it is a subject which gives rise to some distaste or lack of interest and many, not surprisingly, would rather delay consideration of the matter.
We can create and implement highly effective, tax efficient strategies, with an emphasis on reducing your estate’s liability to Inheritance Tax, so your beneficiaries avoid the hassle of dealing with HMRC during an already stressful period.