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Retirement Planning

Constant changes to pension rules and regulations make this an extremely complicated area. We are able to review your existing provision and answer any questions that you may have. We are able to assist with employer related schemes, preserved personal pensions and existing personal pensions/self-invested personal pensions. We will then look to formulate a strategy that will help you deal with any shortfalls and get closer to reaching your retirement goals.

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Investment Planning

With volatile equity markets and interest rates at an all-time low, investing money to make a real, inflation beating return is not easy. We are able to review existing arrangements, looking at the performance, charges, tax efficiency, risk rating and your goals, and then present solutions to make your money work harder for you.Being fully independent, we are able to offer a comprehensive range of options for all types of investors, from those who are not prepared to take any risk with their capital, to the more adventurous investor, who is prepared to take more risk.


Protection Planning

If you have children or other people financially dependent upon your ability to generate an income, you will need to make the appropriate provision to protect them if anything were to happen to you.Whether you have a Life Cover, Critical Illness Cover, Income Replacement need, we will be able to explain the options in a simple and straightforward manner. This will then enable you to make a sensible decision about the most relevant solution.

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Our Services

Whether you require advice on one specific area or a full financial review we are here to help you. We will spend time discussing your requirements, allowing us to understand exactly what you want to achieve. Only then will we make our recommendations to you.​Where it is appropriate, we will agree with you a program for regularly reviewing your financial affairs, ensuring that you are on track to meet your goals. Here are the areas we specialise in:

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Retirement Income Options

Whenever you have already reached your planned pension age, are taking pensions benefits or are curious about when you are going to be in a position to retire, we can guide you through the complex range of options available to you.

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Estate and Family Member Planning

We can work with your selected solicitor or recommend an appropriate legal adviser to ensure your estate, or your parent’s estate is passed to the chosen beneficiaries as swiftly as possible, following the stipulated wishes with as little as possible Inheritance Tax being paid. We can also advise on the aspirations you have for your children/grandchildren, calculating the cost of meeting these goals and then produce a tax efficient plan to ensure funding is in place when needed.

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Taxation Advice and Forward Planning

In these times of high taxation and low interest rates, minimizing the tax that you pay has never been more important. We are able to review all aspects of your financial planning to ensure that they are running as tax efficiently as possible, highlighting ways to reduce income and capital gains tax and make your money work harder for you.

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