What we do
We’re here to offer a comprehensive financial planning service, covering all your requirements, whatever stage of life you’re at. For us, the relationship between the adviser and client is absolutely fundamental. From the outset, we take time to get to know you and what makes you tick so that we can understand your goals and ensure your financial planning will help you to achieve your ambitions.
Put simply, our role is to help you make the right decisions about your money and to invest it appropriately. This then puts you in a good position to do the things you want to when you come to access your savings. For, as we see it, money is a means to an end, rather than an end in itself.
You may be wanting to accumulate as much money as you can, in which case the focus will be on growing your investments. We will explore with you whether you are making the best use of any spare capital or surplus income. Accessing your money may not be so important at this point – your priority may be that it is working hard for you. Alternatively, you may be reaching retirement and wanting guidance on the best course of action regarding your ‘pension pot.’ Or you may already be in retirement and trying to deal with issues like inheritance tax and long term care planning. We can also advise on life assurance, protection, mortgages and equity release.
We always look at your specific circumstances and recommend what will best suit your particular situation. As part of this, we complete a risk profile which takes into account your attitude to risk and enables us to recommend the right balance of investments in the model portfolios we construct for you. These are reviewed and adapted as you go through life and your priorities change.
In terms of wealth management, we offer an annual service which includes a face to face review with us. We also offer an ongoing advisory service for any transactional requirements. The advice we offer is totally independent and our fee structure is clear and transparent.
The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. The Financial Conduct Authority does not regulate Inheritance Tax Planning.