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Financial planning helps you clarify your goals and create a strategy to reach them. By working together with your financial planner, we will develop a personalised plan for you, underpinned by experience and evidence. This plan often addresses areas such as retirement and pension planning, personal and business protection, tax-efficient investing, business exit planning and inheritance or estate planning.

Independent advisers are able to provide advice on solutions from the whole of the market, without restrictions based on who the adviser works for.  Restricted advice is limited to a certain range of products, providers or specific areas, often linked to who the adviser works for or who the company is owned by.

Initial meetings are always complimentary to give you a chance to meet your Financial Planner, for them to understand your objectives, to discuss how they could support you and for you to jointly agree if there is a good fit.

Initial Advice Fee: we will clearly lay out and agree the fee for initially building your financial plan including really understanding your circumstances and aspirations, researching the market, building the plan and implementing the right solutions. This will be a percentage of the assets invested, is dependent on the value advised upon and will be agreed clearly at the outset.

Ongoing partnership: our ongoing service includes regular meetings, ongoing advice & portfolio reviews as well as keeping you updated with changes in regulation and budget announcements which may impact your financial plan. We will also work alongside your other advisers, where appropriate. The ongoing fee is 1% of portfolio value (capped so will be lower for larger portfolios).

Starting early is ideal, as compound growth allows your retirement funds to increase over time. Each year builds on your original investment plus previous gains. If you have not begun yet, the best time is now. We can schedule a meeting to discuss your existing pensions or develop a plan together.

Managing several pension pots can present inefficiencies. You may incur higher fees due to multiple accounts, and a lack of unified investment strategy could result in taking excessive or insufficient risk relative to your growth objectives. Furthermore, dealing with separate pots can complicate the administration process both before and during retirement, as well as for those managing your estate after your passing.

A crucial part of financial planning is building a strong foundation, which includes protecting your income since it typically supports your lifestyle and funds retirement or investments for both you and your family. Many people insure their pets, cars, and homes but often neglect to insure themselves—their most valuable asset. This discussion will cover ways you can manage financially if you lose your income, can’t work, become critically ill, or pass away unexpectedly, making sure that both you and your family are taken care of.

Most businesses insure their property, cars and products, but can easily forget about their most important asset, their people. This is also important to consider for shareholders. If a shareholder dies, there might be an agreement in place for another shareholder to buy the shares, but how would this be funded? Also, if a shareholder dies and any loans are called in by the lender, how would the business fund this? It is important to have a clear business protection plan in place considering things like key person insurance, shareholder protection, loan protection and more. Funding life insurance for key employees, including directors, can often be more tax efficient than paying for it personally.

This depends on what the partnership continues to provide, but generally it is important to consider areas such as:

- Pension / retirement planning
- Personal protection including income protection, critical illness cover, life cover and loan insurance for any partnership loans and other borrowings.
- Tax efficient investing
- Funding tax liabilities, which will generally need to be funded as payment on account twice a year.

Yes. We work with clients to consider all of their options and to put a plan in place to structure their affairs with inheritance tax in mind. This can be as simple as thinking through the effective use of gifting, structuring affairs between couples, using efficient investment and trust solutions as well as forward funding IHT liabilities with life insurance. The key to IHT planning is taking a holistic view and we can work with client’s other advisers such as lawyers or accountants where appropriate.

Discussing money with your children helps them understand it’s value, encourages healthy financial habits, and teaches them about both the positive and challenging aspects of finances. Setting up a Junior ISA and involving your children gives them insight into investing, returns and losses, and prepares them for when they gain access to the funds at age 18 and the JISA becomes a standard ISA. It's also beneficial to include children in conversations about issues like inheritance tax and estate planning, especially when considering wills, lasting powers of attorney (LPAs) and deciding who will act as Attorneys for LPAs or Executors for your estate.

The first step is for us to set up a call to explore what is on your mind and how we could provide support. Simply complete a few details here and we will be in touch to arrange a mutually convenient time.