Our Services

Financial planning solutions which are tailored to your individual requirements. We work with you to safeguard your financial future and that of your family. We believe in making your dreams and aspirations a reality by providing ongoing support and advice, ensuring you have the correct arrangements in place

Financial Planning

A successful Financial Planning strategy will reflect your individual objectives and financial aims. We can provide support in all financial areas and are confident that we will be able to offer practical and cost-effective solutions to help you achieve all your goals.

You may:

  • plan ahead for life’s major events such as graduation, a wedding and/or first home,
  • want to ensure that your pension arrangements are as effective as possible,
  • need advice on how to preserve your wealth or safeguard your estate, or
  • require general advice on your overall financial affairs and plans.

We can help you. An initial discussion with us will cost no more than your time. We are here to ensure that you understand the process and help you implement successful strategies.

What Do We Offer?

Family Protection

Protect your family’s future against unexpected events. Life is ever-changing, and it’s sensible to protect yourself and your family against the unexpected. This is a market full of potential pitfalls, as cover and terms and conditions differ between providers and small print abounds! Whether it is your life, your health or your income you want to protect we can advise on the best providers and obtain the most competitive rates.

• Life Insurance
• Income Protection
• Protection against Critical Illness or Incapacity
• Mortgage Protection

Savings & Investments

Make your savings and investments work for you. We advise you on savings and investment options that are tax-efficient and aligned to your own specific objectives. So, whether you’re just a natural saver or want to plan for a future event, we can help you maximise your returns and explain your options in plain English.

• Individual Savings Accounts (ISA’s)
• Open Ended Investment Companies (OEIC’s) & Unit Trusts
• Investment Trusts
• Investment Bonds
• Off shore Investments
• Venture Capital Trusts (VCT’s)
• Enterprise Investments Schemes (EIS)

Pensions & Retirement Planning

Plan for your tomorrow today. When we set out in life, retirement seems a very distant notion. In today’s world, life is often hectic and lived at a fast pace. Many find themselves on the final approach, having done little or no planning. The introduction of Workplace Pensions has helped the position by making contributing to your pension compulsory (unless you opt out every three years).

However, don’t be fooled; this is not retirement planning. A plan has clear objectives that will enable you to live the way you wish when you stop working. A plan should be realistic, deliverable and reviewed each year. It will be based around a lot more than your pension contributions.

We can work with you to formulate your plan and maximise the potential of delivering it.

• Personal Pensions
• Stakeholder Pensions
• Self-Invested Personal Pensions (SIPPS)
• Annuity Purchases

At Retirement Solutions

Managing your money effectively in retirement is vital to ensure that it can last you a lifetime. Pension Legislation today allows you so much more freedom in the choices you have about how you take your income in retirement. And with a lot of choice also comes the uncertainty of making the right decisions. How should you access your retirement savings to make sure it is right for you to make your retirement life as comfortable and sustainable as possible? What are the options available and how will they affect your “golden years”?
When the time comes to leave the workplace, we will make sure that you understand the full range of options available to you, which currently include:

• Flexible Income Drawdown
• Annuity Income
• Uncrystallised Fund Pension Lump Sum (UFPLS)

Wealth & Estate Preservation

We can help you preserve your hard earned wealth and advise on the most efficient ways of generational planning:

• Whole of Life Policies
• Discounted Gift Trusts
• The use of Trusts
• Gift Inter Vivos Policies

Life’s Events and Cash Flow Planning

We can help you plan for future events in your life and demonstrate how these will impact upon your finances. For this, we collect information about your income and outgoings, your savings, investments and pensions and create a visual cash flow projection. This is invaluable for planning life events such as:

• Weddings
• University Fees
• House purchase
• Long-term planning

Investing for Children

We can help you give your children the future you want for them. Investing in funds so that you can easily afford major outgoings such as:

• University
• A mortgage deposit
• A wedding

Personal Tax Service

Let our in-house specialist assist you with your
personal tax affairs.
We offer this convenient service to our private clients who do not have an accountant.
For clients using external accountants, we produce HMRC approved end of year tax statements for your annual tax return. Please note that tax advice which contains no investment element is not regulated by the Financial Conduct Authority.

Useful Articles and News

2021/22 Tax Guide

Here you will find a copy of our useful 2021/22 tax guide. This guide details rates applicable to those resident in England. Some rates for Scottish residents are different and further guidance and advice should be sought.

Read More

2020/21 Tax Guide

Here you will find a copy of our useful 2020/21 tax guide. This guide details rates applicable to those resident in England. Some rates for Scottish residents are different and further guidance and advice should be sought.

Read More

Diary of an Adviser: Simon Cocking

FT Adviser has featured our very own Simon Cocking in their ‘Diary of an Adviser’ piece this month. Read all about what’s it’s like both in and around the world of wealth management.
Dog walking and a spot of culinary magic in the kitchen provide a welcome respite from wealth management, for this week’s financial planner.

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