Services
We provide a one-stop shop for all your financial needs.
We combine the expertise of qualified mortgage advisers and financial planners to support all of our clients from the cradle to the grave. Below is an overview of all of the different areas that we can advise on, but for more detail on how we can meet your needs, please visit the ‘About you’ page.
Investments
Whether you’re saving for school fees, a trip of a lifetime, or simply investing for your future, we can advise on a range of investments to meet your needs. We’ll make sure that you’re comfortable with the level of risk and that they are in line with your goals. For details of how we can advise on your investments at different stages of your life, please contact us.
Specialist investments
In addition to more traditional forms of investing with investment portfolios, we can also advise on specialist investment vehicles such as Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs). These are often effective ways of tax planning but are only suitable in certain circumstances. We can advise you on whether these specialist investments are suitable for your needs. For details of how we can assist with your specialist investments, please contact us.
Mortgages
With access to the whole market of mortgage providers, we’ll advise on the best mortgage for your requirements, including first-time buyer mortgages, re-mortgages and Buy to Let. For more information, please visit the ‘Homebuyers’ page.
Retirement planning
Whether you’re approaching retirement, or some way off it, we’ll help you to structure your finances so that you can achieve the retirement you want to have. For more information, please visit our ‘Approaching retirement‘ page.
Pensions
A key part of your retirement planning is your pension ‘pot’ whether it’s one pension or several. We can evaluate whether your pensions are invested in the most suitable ways to meet your needs. We can also ensure that you are maximising the tax relief available on your pensions. For details of how we can help you to maximise your pensions as part of your retirement planning, see our ‘Approaching retirement‘ page.
Estate planning
We can help you to pass your wealth on through the generations. Using Inheritance Tax Planning (IHT) and utilising various types of trusts, we’ll make sure your loved ones only pay as much tax as necessary. We’re happy to work with your entire family so that everyone can benefit. For details of how we can assist with your estate planning, please contact us.
Protection
Whilst no-one likes to think about it, most people want to know that their family will be financially secure, should the worst happen. We’ll help you to find the right insurance to meet your needs and give you peace of mind. For details of how we can assist with your protection needs, please contact us.
Specialist services
Along with the services that you would expect from an all-round financial services firm, we have a number of specialist services which you may not find elsewhere.
Defined Benefit Pension Transfers
This is an important area of advice which is regularly in the headlines. We hold the Pension Transfer Gold Standard, awarded by the Personal Finance Society. This means that we have the relevant qualifications and ethical standards required to advise on whether or not to transfer out of a Final Salary/Defined Benefit pension scheme and action your decision. For more information on the Pension Transfer Gold Standard, please visit our ‘Awards‘ page.
Later life planning
We help clients who are in retirement to make plans for their later life. This may involve advice such as care fee planning, equity release and estate planning to ensure they have plans in place for when they’re elderly. Importantly, we can advise on the most tax-efficient ways to pass on their wealth with effective estate planning. For details of how we can assist with your later life planning, please contact us.
Equity Release
Our advisers have the relevant qualifications and experience to advise on all forms of borrowing in retirement. For clients who wish to release capital from their home to make home improvements or to help family members financially, we can advise on the best course to take. For details of how we can assist with your borrowing in retirement, please contact us.
Corporate services
As well as advising clients on their personal finances, we can help them with their business finances too. We advise on commercial mortgages, corporate protection such as Key Man insurance, and buying commercial property via personal pensions for example with a Small Self Administered Scheme (SSAS). For more information, please visit our ‘Business owners’ page.