Our comprehensive service offering reflects our tried and tested four-step process to building, managing and protecting your finances to achieve your financial aspirations. We are qualified and have the expertise to offer you a broad range of financial products, giving you more choice and ensuring that what we recommend is a good fit to your circumstances, aspirations and potential future changes.
It should be noted that the value of pensions and investments can fall as well as rise, you may get back less than you invested. If you do not keep up repayments on your mortgage, your home may be repossessed.
Personal Wealth Planning
We will work with you to plan, implement and review new and existing pensions to achieve your financial goals in retirement. We have experience with Personal Pensions, SIPPs, pension reviews, pension consolidation, annuities and income withdrawal.
The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Fees are charged for pension planning and will be quoted before the service commences. Please remember that any investments can go up or down in value.
We can help you to understand your investment options so that you can realise your financial aspirations. We offer advice on ISAs, collective investment accounts, general investment accounts, unit trusts, VCT/EIS and OEICs.
The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Fees are charged for investments and will be quoted before the service commences. Please remember that any investments can go up or down in value.
EIS's and VCT's invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
We use specialist software to create detail lifetime cashflow forecasts that help our clients understand just how much money they will need to attain their financial goals and dreams. These cashflows will help determine if the goals and expectations of each client are realistic and more importantly achievable.
Protecting your finances is very important to us and gives you peace of mind, that is why we offer protection advice on the benefits that life cover, critical illness, income protection, medical insurance and family income benefit can provide.
We receive a commission from protection providers where a policy is put in place.
Our comprehensive mortgage advice service includes residential and buy-to-let lending. We have relationships with both high-street and specialist lenders and their underwriting teams, so we can identify pitfalls in applications early, ensure that your mortgage is well suited to your circumstances and get you a ‘yes’ to funding.
We perform affordability checks for now, should rates rise and if you stay on the lender’s Standard Variable Rate (SVR). We refer second charge mortgages to a master broker. Fees are charged, and we also receive a procuration fee from the lender. Your property could be at risk if you do not keep up with your mortgage payments. We charge a fee for arranging a mortgage. Our fees for mortgages are tiered due to the time it takes to process a case. To make it cost effective for us to act on your behalf our fees are as follows.
• Mortgage up to £100,000 - £795
• Mortgage up to £150,000 - £695
• Mortgage up to £200,000 - £595
• Mortgages over £200,000 - £495
Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.
Find out more about our services and understand which service is right for your current financial situation.
