Services Offered

LIfe Insurance protects the family should you contract a serious illness or even die. The monies can replace lost income and  repay a mortgage debt. 

If you are running a business, the loss of a shareholder or Key Employee can seriously impact profitability.  Inexpensive Insurance can help your business through tricky times.

This area of financial planning is often overlooked or perhaps you might be unaware of how should independent advice can reduce the effect of these costs on your hard earned wealth.

Clarifying the real worth and value of current and previous pension arrangements.

You should note that transferring out of a Final Salary pension arrangement, also known as a Defined Benefits Scheme, is unlikely to be in the best interests of most people. 

of existing pension assets or investment propositions, not just the maths, the meanings.

How investment risk can be controlled and mitigated, within your pension or other investments held.

Stepping away from work is a big change in lifestyle habits and your regular routine.  My clients have benefited from simple relaxed conversations over how to mange not just the financial changes but the impact on your social life as well. 

Assessing your goals, income stability, investable assets, investment timeframe, and risk tolerance.

Managing your money in a changing and challenging environment. 

Coupled with designing a bespoke asset risk investment strategy pertinent to your preferences.

Offering guidance and facilitation of the investment of new monies in a tax efficient manner. 

Please note that the value of pensions and investments and the income they each produce may fall as well as rise. You may get back less than you invested.

Please  contact me to see how this "Death Tax" might be avoided entirely or at least reduced, without jeopardising my financial security or lifestyle.  

Recommending adjustments as necessary. 

I wonder if you own a car that is 15, 20 or 25 years old? Or a washing machine over 6 years old? No?

The chances are that both your car and white goods are regularly updated to take advantage of the latest technology, which tends to reduce running costs and get a better overall result.

Yet I frequently find pension plans are being held in exactly the same form that they were started so many years ago.

At little or no cost to a client I undertake to review existing pension and savings arrangements and identify cost savings and growth opportunities to improve the overall return available. I also ensure that investors are aware of the degree of investment risk their holdings face. 

As has been the case in the development of cars, washing machines and especially phones and computing, pension plans have been developed and improved over the years. 

Today’s pension and ISA arrangements are far more flexible, with wider investment choices and are a great deal cheaper to run than older plans or policies.  Let me show you how to reduce costs or improve outcomes, better suited to your precise requirements.