An experienced Chartered Fnancial Planner, I have been helping and advising clients for over 20 years.
In that time, I have helped clients save on a regular basis, make lump-sum investments, plan for retirement, get the best income possible when they retire, protect their persional finances and protect their businesses.
People often say to me that they have no wealth to manage. It is my job to help create it and build it over time.
I have also helped & advised companies, large & small, with their employee benefits & pension schemes and helped them plan for events from Automatic Enrolment to the loss of key employees.
Savings & Investments
Individual savings accounts (ISA's) - Regular savings, lump sum investments or reviews of existing schemes.
Unit Trusts - either as stand alone investments or as feeder policies into ISA's
Investment Bonds - Onshore or offshore, in a trust or out
Saving for the longer term in the most tax effective way possible is key for everyone whether starting savings from scratch or reviewing long standing portfolios. Making sure that your new plan or existing portfolio is providing acceptable returns within your personal risk tolerances should be the basis for regular reviews.
Within my investment service is the ability to plan for Inheritance Tax through the use of appropriate investment and trusts, allowing you to pass your wealth onto another generation.
Everyone's aims, objectives and perspectives change as they get older and flexibility should be in-built to allow for change.
Pensions & Retirement Planning
Personal Pensions & Company Pensions
Pensions come in all shapes and sizes and they are all important. It is key that savings for retirement are regularly reviewed to make sure that you are not surprised when you reach the stage where you want to give up work.
I review & manage all types of existing schemes from old Section 226 contracts, AVC's, FSAVC's, Defined Benefit schemes, Occupational Money Purchase schemes, Section 32 buy-out bonds, Group Personal Pensions, Stakeholder Pensions and Self Invested Pension Plans.
I help people start new regular premium pension plans, calculate Carry Forward lump sum investments.
I also set up & run company schemes (including Salary Sacrifice arrangements for maximum tax & NI benefit) for employers to meet their Automatic Enrolment obligations, making sure that value for money is delivered.
However, building up the retirement pot is not the whole story. When you reach the stage when you want to give up work, I make sure that you get the best income possible based on your age, health and fund size. This needs to be planned months in advance so please do not hesitate to contact me.
Financial Protection for you
Making sure that you and your family's finances are protected in the event of death, critical illness or long term ill health should be part & parcel of any financial plan. I ask the "What would happen if...?" questions that most people don't WANT to think about but that you NEED to think about and plan for.
Life Insurance, Mortgage Protection, Critical Illness cover, Income Protection, Private Medical Insurance are all part of my proposition.
Financial Protection for your Business
Your business is important to you as are the people you work with. What would happen to it if you, your business partner, fellow director or another shareholder died or became gravely ill. Would sales be affected, would debts get repaid and would you be happy with your current business partner's widow(er) running the business with you? Lots of difficult questions ned to be faced by those of us in business and I help you plan for the worst case scenario.