What we do

We offer a practical and sound approach to financial planning, which enables you to actually do the things you might have been thinking about for years, but never quite achieved.

So what is financial planning in practice and how does it make such a difference? Well, we always find it surprising that people plan for major purchases, holidays, university fees and even their monthly household budget, but when it comes to long term security and a sense of direction for the future, there can be a gaping hole.

Financial planning gives a clear structure to why you are saving and investing. By setting goals as to what you want to achieve out of life and defining the type of lifestyle you want to live, you can ensure your finances are in the best shape to help you get there.

If you like, it’s similar to setting out on a journey, planning your route and ensuring you have enough supplies. So whether it’s paying off the mortgage, jetting off on a round the world tour or retiring early, putting some key objectives in place will help you see if you’re on track to reach your destination.

“It's impossible to map out a route to your destination if you don't know where you're starting from.” Suze Orman

How does it work?

We use a tried and tested process, with four important phases. From the outset, we take the time to get to know you. It’s important that we understand your lifestyle as well as your hopes, fears and aspirations for you and your family, before we give you any advice. That way we can ensure our recommendations will match your goals. Likewise, it’s equally important that you get to know us, so that you can be sure our approach is right for you.

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“People will forget what you said. They will forget what you did. But they will never forget how you made them feel." Maya Angelou

Investment planning

Our approach to investment planning is to help you balance your long term objectives with your short term concerns so that one doesn’t jeopardise the other. We will assess your attitude to risk and propose an appropriate strategy to meet your goals.

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“A goal is a dream with a deadline.” Napoleon Hill

Retirement planning

Retirement is one of the major changes in a person’s life. It may be something you are eagerly looking forward to but it can also raise many questions in terms of your finances. We have a great deal of experience in helping our clients make as smooth a transition as possible, while enabling them to maintain the kind of lifestyle they are accustomed to.

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“Sometimes it’s the journey that teaches you a lot about the destination.” Drake

Inheritance planning

Inheritance tax planning is a complex area and one that people often put off thinking about too much. However, it is well worth giving it some consideration as early as possible. The threshold for inheritance tax currently stands at £325,000 which means if your estate is worth more than that, any assets exceeding that amount will be taxed at 40%. However, with careful planning there are definite steps that can be taken to minimise your tax liability or reallocate your assets to prevent your loved ones paying more than is necessary.

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“It's impossible to map out a route to your destination if you don't know where you're starting from.” Suze Orman

Protection

It is important to consider whether you have sufficient cover in place to protect your family in the event of ill health or worse. Put simply, there needs to be enough money in the pot, otherwise no matter how comprehensive your financial planning has been, it will all be immaterial. Life assurance and critical illness cover will ensure that those closest to you will be protected and have financial security.

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