How We Work

Financial Planning

Financial Planning is more than starting a pension or buying some life insurance. We’ll take an in-depth look at your current financial circumstances, then work with you to design your financial plan, carefully considering all the things you want to achieve in your life. We use this as our guide to making financial decisions and review and revise the plan each year, to reflect any life changes.

Financial Advice

Once you have a clear understanding of your current position and we are happy with your financial plan, we will then look at whether you need any financial advice, to make your money work hard for you.

This could include any of the following areas:

Perhaps you’ve inherited some money, want to invest your bonus, have decided to save for your children’s education or something exotic like a once in a lifetime trip, we’ll help you make sensible choices. We’ll consider your goals, your appetite and capacity for risk and your time horizons, before building your investment strategy. This will include recommendations for using any available allowances (for example, your annual ISA and gifting allowances) so you minimise the tax you pay.

Are you on track to retire or cut back on working when you want to? Will you have enough money for the rest of your life if you stop working? Are your pensions as tax efficient as they can be?

We’ll help you plan for the retirement you want and provide reassurance that your plans are affordable.

Sometimes life throws us a curveball. According to Cancer Research UK, 1 in 2 of us will face cancer in our lifetime. The last thing anyone wants to be worrying about is their family’s financial situation when dealing with a devastating diagnosis. Knowing your income will be replaced if you’re unable to work and securing your family’s financial future should the worst happen brings real peace of mind. We’ll make sure your finances are something you won’t have to worry about.

We advise on long term investments for your pensions and to achieve your life goals. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

The value of units can fall as well as rise, and you may not get back all of your original investment.

Contact us to arrange a free consultation.

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