What can we help you with?

This is our core service and runs through everything we do; we firmly believe that if you fail to plan, you plan to fail. We spend time to truly understand you, your circumstances and your goals. We can then set a number of goals and work with you to achieve these over time. Having clarity over what you need to save, how you should be investing, what you can spend in the future and when you can retire gives our clients great peace of mind, as well as successful financial futures.

Whether you have a lump sum to invest, existing investments to review or you wish to start saving on a monthly basis, we ensure that your money is secure, is invested effectively whilst keeping costs low. This means more of the returns are kept by you. We tailor the investment strategy to your needs and invest on an evidence based basis.

They say the two certainties are death and taxes, however we can help you keep the latter to a minimum. Our financial plans and investment strategies are always created with tax minimisation in mind and we will work with you to avoid creating a tax liability or at least keep it to a minimum. If you have already incurred a large tax bill, we can still help and may be able to reduce or mitigate it entirely.

For most people their largest asset is their home. Accessing the equity built up in your home can be a very useful way of generating a lump sum of capital or an income in retirement. We have also used these products for clients looking to pass on wealth to their children. We are fully independent so once we decide what type of equity release is most suitable, we can search the whole market to find the best solution.

Pensions have become ever more complicated in recent years, with multiple allowances and tax charges surrounding how much you can pay in and hold within your pension. In addition, you may have accumulated a number of schemes when moving jobs throughout your career. We can help make this simpler, either by consolidating or helping you create an efficient retirement savings plan.

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Whether you are starting out in business or are about to sell a successful firm (or somewhere in between) there are many unique challenges and opportunities you face. We work with many such people so have a good understanding of your needs. Whether you want to grow independently wealthy of your business, protect key people and shareholders or ensure your remuneration or exit is as tax efficient as possible, we can help.

There are many risks we all face in life which could adversely affect your financial situation; fortunately there are many protection products available to mitigate these. Whether you require straightforward life cover, income or critical illness protection, or you would like a complete review of your protection needs or current policies, we can help. We are fully independent and once we calculate what you need, we scour the whole market to find the best and most competitive cover.

Increasing property prices and frozen inheritance tax allowances mean more and more people will end up paying inheritance tax than ever before. This has also left many people requiring help from parents to get on to the property ladder. We have helped many clients make tax efficient gifts to their children to achieve both aims. Alternatively, we have structured client’s wealth in such a way as to reduce their taxable estate. Whatever your circumstances, there is always something we can help with.