Month: February 2018


We believe that holistic financial planning and advice can add significant value to our professional clients.  After a busy day it can often feel like a real chore to sort out your finances. However, planning for your future is important and if you aren’t going to look after your finances then who is?

Working closely with an Adviser can not only save you time but also help you plan for your financial freedom. We can do all the work for you, explain your options and help you understand the upsides and downsides, giving you totally impartial independent advice.


As we all live longer making the right decisions at and in retirement is becoming increasingly important, for example, which vehicle do you use to provide an income, – an annuity, capped pension drawdown or phased retirement?  We can help you through this maze to ensure you make the right decisions.

However it’s not just about retirement income. You may be concerned about the financial impact on your family if you were to go into a nursing home, or the amount inheritance tax that will be paid on your death. We can help you pass on the assets you want to leave, to the people you want to receive them, at the right time and in the most tax effective way.

Business Owners

If you run your own business then there are often big demands on your time. We can assist you and advise you in the areas below to help you save that valuable time, and our service includes regular to ensure your plans stay on track:

  • Death In Service arrangements
  • Private Medical Insurance – Executive or group
  • Income Protection Insurance (often thought of as insurance based sick pay schemes)
  • Tax Planning
  • Auto enrolment
  • Executive and Director Pensions planning
  • Self Invested Pension Planning (SIPP)
  • Partnership Agreements
  • Small Self-Administered Pension Schemes (SSAS)
  • Keyman Protection – Life and / or Critical
  • Shareholder protection

If you think you may benefit from advice and guidance to achieve financial peace of mind then call us on  01704 862 200 or drop us a line here.

Risk statement:

  • The Financial Conduct Authority does not regulate Tax planning
  • The value of pensions and investment and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.

Lifetime Cashflow Planning

What is lifetime cash flow planning?

The old adage “if you fail to plan, you are planning to fail” is as relevant today as ever and, despite the unpredictability of investing, is the key to long-term financial security. Lifetime Cashflow Modelling is aimed at individuals, to help them to identify, achieve and maintain their desired future lifestyle, without the fear of running out of money, whatever happens.