We aim to keep the process as straightforward as possible. Your financial needs don’t just stay still, they change over time. We work with you as a continuous process to help achieve your financial goals.
With the ability to pass through the generations, pensions can last a lifetime and beyond so getting the product, investment strategy and tax planning right now is more important than ever.
Knowing what you will need in retirement and how to achieve it will be very difficult. We are here to help you solve the problem and provide you with a flexible solution to meet your needs.
With interest rates having been so low for so long, people have had to turn to investments in order to see their capital grow, or their income keep up with their needs.
Our advisers will assess your needs and aspirations, cutting through the investment maze to provide you with solutions that are right for you and simple to understand.
Whether it is minimising income tax, planning how to pass your estate to your loved ones or sorting out your investments, tax can be a minefield.
Due to the rise in property prices, many clients who never expected to have an estate subject to Inheritance Tax (IHT) are now finding they need expert financial advice to help mitigate against it.
The pension freedom rules also provided additional opportunities for tax planning to the benefit of our clients.
Protecting your loved ones can often be achieved at a relatively small monthly cost so it is surprising when you read the statistics of how many people don’t have any form of protection.
There are a number of different types of protection from protecting against death, illness and also protecting your income. Our advisers will assess your needs and the affordability of the different types of cover to give you the solution that best fits your circumstances.
Long Term Care
If you or a loved one need to pay for care at home or in a care home, seeking independent advice at this stressful time can often ease the way.
Our adviser Sue Hodge has a wealth of experience and knowledge in this field, having helped many clients over the years. She can help to make your investments work in the most appropriate way to relieve the financial burden of care.
The world of finance never stands still and neither do the lives of our clients. That’s why we believe our ongoing review service provides clients with the peace of mind they need.
Premier Client Service
Designed for clients with large portfolios or who have a variety of ongoing financial matters and wish to have their financial affairs regularly and pro-actively monitored and reviewed at quarterly intervals. Your adviser is on hand throughout the year to deal with any ongoing questions at no extra cost.
Intermediate Client Service
Designed for clients who want to have peace of mind, knowing their money is being closely monitored and reviewed together with the overall financial affairs on a half yearly basis.
Elementary Client Service
Designed for clients who need expert advice for relatively straightforward financial affairs and who will benefit from a yearly financial health check.
With markets constantly moving and new investment concepts being brought to market on a regular basis, we believe the key to managing money is a consistent and robust investment process.
- A Guide to Later Life Planning
- Taxable Lump Sum Option
- Client Agreement
- Our initial meeting process
- Customer privacy notice
- 2008-2019 Historic Portfolio
- Winter Investment Review 2018
- Summer Investment Review 2019
- 1 Cautious Fund Factsheets
- 2 CautMod Fund Factsheets
- 3 Moderate Fund Factsheets
- 4 ModAdvent Fund Factsheets
- 5 Adventurous Fund Factsheets