Services
A full range of tailored financial advice, wherever you are in life’s journey.
How I can help:
I’m here to support with every aspect of your financial plans for the future. From your pensions, savings and investments throughout your life, right from an early age. To retirement planning, inheritance tax and planning for your estate and your legacy. Ensuring you have the financials in place to achieve your future goals.
Lifelong Financial Planning:
Supporting you through all of life’s milestones with lifelong financial planning. Making sure you have what you need for you and for your family and the life you want to live.
Financial Planning for Later Life:
Aligning your finances with your goals for a secure financial future. From pension planning to the cost of care, inheritance tax to equity release, for the retirement you deserve.
- Investments for Lifelong Milestones
We can help you plan for key moments throughout your life, from your children’s education to buying their first home, and planning for your own retirement. With investment strategies tailored to your stage of life, your tolerance for risk and your ongoing financial goals.
The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested.
- Pensions
Maximise your pension savings for the retirement you envisage. Starting a pension or streamlining multiple pension pots to understand what you’ll have for the future. Making tax efficient contributions and working to a personalised plan, improving your income in retirement. Helping you understand your pension, investment and income options and putting plans in place to suit your needs.
A pension is a long-term investment. Its value can fall as well as rise, and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change. Transferring or consolidating pensions is not suitable for everyone and may mean losing valuable benefits or guarantees.
- Care
It can be overwhelming when you’re looking at options for care, whether it’s for yourself or for a family member. We can help you to understand the costs involved and all the support that’s available. Advising you on how to make best use of your income, savings, home and other assets to pay for the care you need. Working with you, and your Attorneys.
- Inheritance Tax
In planning your future, you may be thinking about the inheritance you plan to pass on to your family / beneficiaries and the potential inheritance tax liabilities they could be faced with. We can help to reduce these for you, simplifying the complexities. Helping you understand your allowances and exemptions, and the various options for reducing inheritance tax including the use of investments and trusts.
The Financial Conduct Authority (FCA) does not regulate Inheritance Tax Planning or Trust Advice.
- Equity Release
With independent equity release advice, we can help you to access the money that’s tied up in your home. If you’re over 55, we can help you to understand all the pros and cons and make the decision that’s right for you and your family, be it to aid your income in retirement, pay off an outstanding mortgage, help family or pay for care. Whatever your needs, its best to take independent and holistic advice to ensure the right options for you.
Equity release isn’t right for everyone, there are positives and negatives, and careful consideration is vital to ensure it is a suitable option for your individual circumstances. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks ask for a personalised illustration. Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.
A simple process to get you started and guide you through the journey:
1.
Understanding your situation
An initial call to find out about the things that are important to you. What you want for yourself, what you want for your family and the future you envisage.
2.
Action planning in line with your goals
We’ll build a plan that’s aligned with your goals. Helping you manage your financials and getting you where you want to be.
3.
Monitoring your evolving needs
We’ll keep track of your finances, adapting your plan so it’s still fit for purpose as things change throughout your life.