Our Services
At our first meeting, for which there is no charge, we will discuss with you your reasons for seeking advice, your financial goals, and the nature of the services we can provide. We also explain how we can be paid and provide an estimate of our charges.
Our advice is not linked to any individual or group of banks, building societies, insurance companies or investment houses and is truly independent. We are therefore able to offer you advice from the whole market in respect of:
Protection Planning
Protecting your family against financial loss due to injury, illness or unforeseen death
Protecting your business, its assets and profits
Investment Planning
Ensuring your investments are suited to your needs and are not open to risks greater than you are prepared to accept
The use of specialist investments that may not be considered by all advisers
Advice to Trustees and Legal Representatives
Retirement Planning
Advising on the most appropriate route to meet your needs in retirement after considering any existing personal pensions or company pensions, and other assets you may hold
Recommending the correct level of funding for retirement, taking into account your aims and affordability
If you are close to (or at) retirement, all your retirement options
Taxation & Estate Planning
Advising on investing in a tax efficient manner by making full use of your available tax allowances and reliefs
Explaining the taxation of different types of investment, and providing guidance on the most suitable plan based on your personal situation and objectives
Explaining how investment returns are taxed and whether tax can be reduced or avoided
Planning to ensure your estate is liable for as little Inheritance Tax as possible through the effective use of Wills and Trusts
Mortgage Advice / Equity Release
Reviewing your mortgage
Considering the benefits and disadvantages of releasing equity from your home
We work closely with other professional advisers such as accountants and solicitors where necessary – for example on more complex tax issues and/or trust and probate work.