Individuals

Individuals

Planning and protecting your income, assets and investments is essential to a secure and stable lifestyle. We help individuals of all ages and from all walks of life feel confident in their financial prospects.

Our services include:

Whether you are saving for retirement, about to retire or already enjoying the freedom it brings, we can advise on all aspects of pension planning.

Using our decades of experience, our highly qualified advisers work with you to devise the best retirement strategy.

Many clients have collected pensions throughout their working life, but generally have very little understanding of what they are worth or how to redeem them. We will review and analyse the savings you have made to determine if they meet your needs. By learning more about the lifestyle you envisage and your budgets, we can help you become financially and emotionally ready for retirement.

Ever-changing pension rules mean it is essential to keep your plans under review. Currently, there are increased options open to retirees and together, we will work through them to find the best plan for you.

Don’t forget, the value of investments and the income received from them can go down, as well as up, so there is always a risk you will not earn back the money you put in. Past performance is no indicator or guarantee of future returns.

The key to investment planning is choosing the correct strategy and keeping it under review.

Firstly, we will fully analyse your situation, investment goals and attitude towards risk and then design the perfect strategy for you. It is essential to base any decisions on evidence, not gut feeling, as we explain in more detail here.

Like pensions, the value of any investments and the income received can go down, as well as up and it is important to be aware you may not earn back the money you put in. Past performance is no indicator or guarantee of future returns.

It is essential to safeguard your future and that of your family by providing adequate protection against death, critical illness and other life-changing situations.

We can help you set up life cover, critical illness policies, income protection and more. By analysing your circumstances and budget, taking into account what you already have in place, we can establish the most suitable protection plans, to ensure your family won’t go without, should the worst happen.

We only have one chance at life, so make sure you have the means to enjoy it by benefiting from a fully tailored financial plan.

Our experts will design, build, implement and continuously review your lifetime financial plan. We make sure it covers everything you wish to achieve whilst in work and during retirement and use our qualifications and experience to guide you through the process.

There are a number of fundamentally separate, but interlinked elements to successful estate planning.

Our experts work with you to review your current circumstances and the potential issues you may face in the future. We will then design a plan to meet your requirements, covering:

  • Preserving family wealth
  • Transferring wealth through generations
  • Controlling death benefit payments
  • Gifting
  • The use of trusts
  • Personal and business assets
  • Tax mitigation

To remove the inheritance tax liability, it is essential to ensure family wealth passes to the right people at the right time.

We work with you to review your current position and discuss how we can ensure the above is achieved.

Having to meet the costs of long-term residential care is a real and worrying possibility for most of us. By putting a financial plan in place that meets your care requirements and living arrangements, our experts will provide peace of mind that your future and that of your family is secure.

Taking on a mortgage is one of the biggest financial decisions you’ll ever make, so identifying the right policy is essential.

We help you understand the confusing world of mortgages and highlight the products that best suit your needs. Because we are truly independent, we can search the entire market to find a deal that works for you. We also advise on lifetime mortgages.

Don’t forget your home may be repossessed if you do not keep up your mortgage payments.

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