Financial advisers are not all the same and the amount of value they add to your financial situation varies considerably. We offer advice on an “Independent” basis.
This means that we provide unbiased, unrestricted advice based on a comprehensive and fair analysis of the relevant market, giving due consideration to the full range of retail investment, pension and life products available in the marketplace which may be suitable for you.
We are completely committed to providing our clients with totally independent and unbiased financial advice for life. In practice, this means transparent charges, tax efficient fee based solutions, and above all, never allowing provider incentive to cloud our judgement during the advice process.g
We are not tied to any bank, investment house or insurance company. We are independently owned with no insurance company sharing any stake in our organisation, by retaining this purity we can always act in our client’s best interests.
We believe that the only way to plan effectively is to seek to understand our clients own goals and desires. It is only when these goals are clearly understood by the adviser and client that a full and complete financial strategy can be sought..
The myriad of protection products available on the UK market can be daunting to say the least. You may just require a simple Mortgage Protection Plan to repay your mortgage on death, or you may require your income protected in case you were unable to work through sickness or accident. Even though protection products can appear simple on the surface, setting up a plan correctly is extremely important. Rather than search the entire market for the ‘cheapest’ premium available, we will take all factors into consideration and ensure that your policy has the best terms available for your own circumstances and is set up in absolutely the right way. When we undertake a protection review it is astonishing to us that many existing contracts are not set up under the appropriate trust. As part of the overall financial planning process we can advise clients on aspects of trust planning and can place most existing cover into the correct trust without having to take out a new policy.
Rather than just ask our clients the questions “How much would you need to retire on and at what age”, we prefer to ask our clients how they see their own retirement. It does lead to some colourful answers!!!! However, we believe it is an important step in the planning process to visualise their own retirement. Since April 2006 pension legislation has seen some radical changes, the bulk of which, we believe are extremely positive and, give people a real incentive to save for their futures. Pensions have come a long way from the dark days of commission riddled savings plans which were the subject of many mis-sold cases in the 80’s and 90’s. Pensions today, are low charge, flexible and offer superb fund management. As part of our planning process we would seek to use all available tax relief we can when formulating our clients retirement plans. This, coupled with the option of self investing and independent fund selection, puts our clients on the right road to achieve their own goals. Please note: The value of investments can fall as well as rise and you may not get back the amount invested.
Cash, Fixed Interest, Corporate Bonds, Government Gilts, UK Equity, Managed Funds, Global Equity, Distribution, REITS, Currency Funds, Property Funds, Discretionary Funds, Money Market, Protected Funds, Hedge Funds, Absolute Return, Derivatives, Direct shares, Cautious Fund
