Personal Services

Planning your finances effectively can be difficult and time-consuming. There are many factors to be taken into account and many variables that are outside of your control. “Financial Planning”, therefore is more of an art than a science. There are very few ‘hard and fast’ rules as to the right strategy to adopt and the final decision is often down to your attitude and beliefs rather than a strict formula.

Our objectives are to:

A) Ask you to determine your needs, through our consultation meetings.

B) Prioritise those needs in order of importance to you and your family or business.

C) Complete thorough research to enable us to prepare a report, or reports, making considered recommendations.

D) Allow you to make decisions, based upon the recommendations, as to the best way forward.

Dependent upon your situation this whole process can be completed in a matter of days, or in some cases, completed in stages over a number of years.

As importantly, your affairs need to be regularly monitored and reviewed to ensure suitability is maintained. Very often private and corporate clients that we meet have bought various financial products or made financial decisions over a number of years that at the time seemed suitable and appropriate. In hindsight those decisions are not always the best option for the situation today. The important thing to be aware of is the overall financial strategy that you are intending to follow. Flexibility and regular reviews will ensure that you remain on course, despite the inevitable changes over time to your personal or business circumstances.

Pensions
Our pension advisers cover the whole spectrum of advice from individual clients assessing their current portfolio, through Directors, Executive and owners of businesses, corporate restructuring of group pension schemes and occupational pension transfers to flexible retirement options for clients.

Pensions are tax efficient investments which do require expert advice and regular annual reviews with your adviser to ensure that your objectives are being met.

People should review the performance of their pension funds regularly, our advisers can review fund performance and where appropriate move the funds to a more diverse portfolio with access to top-performing funds. Contact us if you wish to review the performance of your pension fund.

Mortgages
Peace of mind with independent mortgage advice - when buying and selling a property everyone is different, we all have different needs, different aims and are in different situations. However, we all have one thing in common – we lead busy lives and want professional, hassle-free advice and a solution that suits us.

Our independent mortgage advisers use sophisticated IT systems and in–depth industry experience to find the most appropriate mortgage for their client.

Why not try our mortgage calculators for an idea of how much you could borrow, what the repayments may be and how much you could save if you re-mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Contact us if you would like a quotation for a mortgage or a remortgage.

Investments
Creating wealth for our clients is part of our company vision. We provide an expert integrated service across all investment fund managers and products within the marketplace. We utilise asset allocation tools to ensure that we effectively assess the risk profile of each individual client to meet their short-, medium- and long-term wealth creation objectives.

By seeking quality advice clients can be moved from poor-performing Unit Trusts, OEICS or Investment Trusts into a diverse investment portfolio backed by specialist research and advice.

Protection
Our advisers will work with you to undertake a full financial review of your protection needs and requirements, taking into account your circumstances and objectives. Our objective is to listen and gain a comprehensive understanding of what you want to achieve before we produce a detailed analysis for you utilising IT systems that are updated daily with the latest products and rates, to ensure that we deliver comprehensive coverage and value for our clients.

Savings
There are thousands of options for regular savings; our advisers use the most up-to-date software to analyse what is available in the marketplace and construct a savings portfolio to meet the clients' needs for short-, medium- and long-term cash/growth.