We help Individuals and businesses create long term financial plans, providing clarity and confidence along the journey.
From early career professionals to established business owners, we provide personalised financial guidance for every stage of your journey.
We know it can be difficult and time-consuming to think about your future, especially when most of your day is spent working and maintaining a lifestyle your family has become accustomed to. You can depend on us to do the heavy lifting for you, so you have one less thing to sort out.
You never thought the time would come, but you're now seriously thinking about your future and stepping away from the world of work. But you don't have to make these life-changing decisions alone. We'll support you and help you prepare for the next stage of life.
Retirement is a time to be enjoyed, but money worries can sometimes get in the way of that. Creating a financial plan to utilise your assets tax efficiently can help see you through retirement. Whatever questions you have, we're here to help.
We know everyone's idea of retirement is different – you may still maintain a role in your business or perhaps family time is your top priority now. We'll work with you to get your finances in check and advise on whether you're making the most of your money while creating a legacy.
You may be a seasoned retiree with plenty of practice, but your attention is starting to turn to concerns over potential care needs and the funding of it. It may be the case that a loved one requires domiciliary or residential care, necessitating advice in planning to optimise their property and financial arrangements.
Planning for care costs and protecting your financial legacy requires specialist expertise.
The cost of care in the UK increases significantly each year and can quickly deplete a financial legacy if not properly planned. Long-term care planning requires both experience and specialist qualifications.
Concerned about future care costs? Do you or a loved one need immediate care or already receive it and have to pay your way?
We'll look at what your care costs are or are likely to be. We'll assess what capital and income you have. We'll combine our experience with financial instruments from across the whole marketplace to formulate a plan to sustainably pay for your long term care.
This may involve releasing equity from property known as Equity Release, which we hold specialist qualifications to advise on. You may need a care annuity providing a fixed income, which if paid directly to the care provider can benefit from significant tax savings.
Equity release schemes may involve a home reversion plan or a lifetime mortgage which is secured against your property.
To understand the features and risks, ask for a personalised illustration. Equity release may impact the value of your estate and could affect your entitlement to means tested benefits.
Life as a business owner can be complex as you take on various roles and are responsible for your staff. Sometimes your own financial planning needs take a backseat. We will advise you on your finances at work and at home so you feel in control.
There's no time quite like the present to start making smart decisions about your financial future.
Your career is going well and is maintaining a lifestyle for you and your family, so you have no intentions of slowing down. However, that's not to say that you don't want to think ahead and create a stable future while accumulating your wealth.
Retirement isn't on the cards yet, but you'd like an idea of where you are now and where you need to be. You also have a family to think of and want to be sure that they're protected if anything were to happen to you.
Working together, we'll review your financial objectives and create a secure plan that takes into consideration your attitude to risk. Our in-depth knowledge enables us to advise on wealth accumulation, pensions, protection and tax-efficient investment strategies.
We're always on hand to support you through your financial decisions now and in the future. You'll feel confident that we've got your best interests at heart.
The value of pensions and investments 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.
The Financial Conduct Authority does not regulate tax planning.
By starting early, you'll stay in control of your financial future and know where life is taking you.
Having questions as you plan ahead for your retirement years is completely normal. After all, it's one of the biggest changes you'll face in life. As you start to step back from your career and think about life after work, you want someone who will answer those questions.
Maybe you don't want to give up your career entirely, or perhaps your plan is to travel and live life to the fullest. Everyone's retirement is different, but our job is to help you get to where you want to be.
We'll ensure that life leading up to retirement is as stress-free as possible. Firstly, we'll give you the peace of mind you've been searching for and answer that burning question: "How much is enough?".
By looking at your pensions, we'll advise on the tax-efficient benefits available, so you're making the most of opportunities. We'll always tell you the truth and let you know, realistically, when you can retire and the lifestyle you can expect during retirement.
The value of pensions and investments 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.
The Financial Conduct Authority does not regulate tax planning.
Feel confident about your future as you make the big decision to step away from the working world.
Retirement is imminent, but you're still unsure of what it's actually going to look like. You likely have questions about how long your money will last, whether you can keep up with your current lifestyle, and if you're even making the right decision.
It's your retirement and it should be lived exactly on your terms. But without the right plans or a thought-out strategy, it can become overwhelming.
There are several ways of providing an income during retirement, and it's our job to establish these and pick the right options for you based on your needs and objectives. If you're hoping to take care of loved ones or create a legacy, it's never too early to plan ahead, and we'll help create this financial plan with you.
Most of all, we'll help you figure out how you'd like to live during retirement and provide you with financial security.
It's easy to lose track of where you want to be, but we're here to put you back on the right path.
You've been retired for a number of years, and you're enjoying the freedom it brings. However, the narrative is now changing to focus on loved ones rather than on yourself. You want them to enjoy your wealth and create a legacy that will benefit them while you're still here and when you're not.
You might be worried about how much you can afford to help your family without affecting your lifestyle and what you've become accustomed to during retirement.
We'll navigate the complicated nature of Inheritance Tax, gifting and estate planning so that you can make an informed decision. By listening to you, we'll discover what you'd like to happen with your money and will ensure we make it happen with a tax-efficient strategy.
We understand that it's not always easy to think about life after death, so we tackle the matter with compassion and kindness.
The Financial Conduct Authority does not regulate tax planning or estate planning.
We'll shoulder the burden, so you have more time to focus on your business and employees.
When you've got a business to run, it can be difficult to find a spare few hours to take care of your finances. Money matters tend to get overlooked on a personal and professional level, both of which are interlinked.
You may be a small business owner who is looking for help on taking money out of your business tax-efficiently. Or perhaps you're an established business owner who is looking to create a plan to escape. Whatever your needs, we'll take you under our wing.
We have years of experience helping business owners just like you make the most of their money. We'll look at your individual circumstances in detail, and then work towards achieving your objectives.
This could involve tax-efficient withdrawals from your business, profit extraction techniques putting the right protection in place, devising an exit strategy or just general management of your finances. We'll work with you to make sure the right strategy is in place.
The Financial Conduct Authority does not regulate business planning, exit strategies or tax planning.
No matter what stage of life you're at, we're here to provide expert guidance tailored to your unique circumstances and goals.
