Services

Are you looking to retire soon but don’t know where to begin?

Have you received some retirement or pension paperwork and have no idea what it all means?

Perhaps you have accumulated multiple pensions throughout your working life or need some advice on where to start planning?

We can help!

Don’t put this off any longer.

We create a personalised plan, cutting through the jargon, to help you achieve your future retirement goals. Whether this is consolidating your pension pots into one, or advising on how to structure your pension benefits, our services are tailored directly to your individual needs.

If you are looking to maximise your money and save for your future, we can help you with a bespoke investment or savings plan or usually a combination of both. We will work to understand your objectives and attitude to investment risk, so that we can advise you on the best options for you to meet your goals.

As truly independent advisers we can formulate a plan in a regulated environment that is specific to your needs. As well as the initial plan, should you wish, we are here to provide ongoing investment and advice support throughout your journey and can adapt your plan as needed.

The taxation of your wealth is always at the forefront of any of our financial planning process. Taxation can be complicated and frustrating and whilst it cannot be avoided, we aim to create a plan which caters for many taxation situations and helps you navigate those throughout the different stages of your financial plan, minimising your tax burden where possible.

Planning in advance as part of a tailored financial plan can minimise the tax liability for you and your family. We can help!

Personal and Business Protection is a key factor in your financial plan and can often be overlooked.

Critical Illness, Death and the ability to protect ourselves, our loved ones and in turn our finances can be difficult to think about, but having a plan in place for this will help to provide a safety net for you, your family or your business.

Protection incorporates a selection of policies that pay out under different circumstances and again would always be tailored to your individual needs.

Advice is not a one size fits all!

We have seen our dream home, what do we do now?

I have no idea how to get on the property ladder?

I’m self employed can I get a mortgage?

I’m a portfolio landlord and I want to buy more property, is this possible?

What is a buy to let?

Do I need a solicitor to buy a house?

What is stamp duty and how much will I pay?

My bank has said I need to wait 5 weeks for a telephone mortgage appointment, is there a quicker way?

My fixed rate has ended on my current mortgage, what do I do now?

Can I borrow more money to build and extension?

These are just some of the questions we get asked A LOT and we have the answers.

Mortgages don’t need to be complicated or stressful. We can hold your hand through the process and make your mortgage experience straight forward. Let us help. As Independant Advisers we can search the whole market place to help you reach your property goals.

Sports Professionals generally have a shorter career and need to make their short-term higher earnings work as hard as possible.

Their financial needs must be focused at the outset of their career to give them the best lifestyle when they reach retirement. This can be as early as 35 in some cases! We provide bespoke wealth management services to those in sports, allowing them to concentrate on their demanding sports careers with the knowledge their finances are in our safe hands.

It’s a daunting reality that many sports professionals do not have this support and struggle to reach their financial goals.

For instance, statistics show that 40% of professional footballers become bankrupt or in financial difficulty when they retire.

This doesn’t need to happen, we can help!