What we do
People seek financial advice for many different reasons. When considering your financial planner, it is important that we understand you to help identify what you might want to achieve and how you can do this.
We provide a holistic financial planning service for individuals, businesses, and trusts. This can include:
- Retirement Planning It’s important to know whether the money you are saving for retirement will provide you with sufficient funds to meet your retirement objectives. We can work with you to proactively plan for your retirement and help you decide on the options available to you when you reach retirement.
- Estate Planning There are many things to consider to help reduce or meet a potential Inheritance Tax liability. We will help identify and discuss potential options available to you.
- Protection Planning Most of us want to protect the things that are important to us: our family, our business and our quality of life. Protection planning can help provide peace of mind in the event that your income changes due to unexpected events. We can help you plan for the best way to protect you, your family or your business.
Our advice
Whether you are a new or existing client, we will provide you with a first-class service. Being independent means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients.
Where we recommend particular investment strategies and products to you, these will be based on your personal circumstances, financial goals and objectives. We’ll consider several factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product, and how much of a drop in its value you could withstand.
The value of your investments can go down as well as up, so you could get back less than you invested. Past performance is not a reliable indicator of future performance.
The areas we can advise on include:
- Open-ended investment companies (OEIC) / unit trusts
- Enterprise Investment Schemes (EIS)
- Annuities
- Flexi-access drawdown
- ISAs
- Structured products / deposits
- Term assurance
- Investment bonds
- Venture Capital Trusts (VCT)
- Critical illness cover
- Investment trusts
- Pensions
- Income protection
- Exchange-Traded Funds
- Long-term care
What don’t we do?
We don’t provide advice in relation to individual share holdings; however, we’ll consider these as an asset as part of your wider financial affairs. If you require assistance regarding individual share holdings, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts, as we believe that these are unlikely to be suitable for our clients.
Where we provide protection planning services, we are an insurance intermediary and will provide advice that is based on a fair and personal analysis of the market.
One-off services
We appreciate that sometimes you may be looking for help in a particular area on a one-off or ad hoc basis, in which case, we can limit our advice to one area. For example, you may be nearing (or at) retirement and want help considering your retirement options, or you may want us to review your overall Inheritance Tax position.
If you instruct us that you wish to limit the advice we give you in any way, we will consider this to be “limited advice”. In this case, we will follow our standard advice process, but only in relation to the areas on which you have requested advice.
You should be aware that if you limit the information you provide to us in any way, it may detract from the completeness of the advice we can give you. This is because the information not disclosed could affect the appropriateness of the advice provided. If you place any limitations on our advice, we will confirm this fact to you during our discussions and in our subsequent suitability report.
