services

Everybody’s financial needs are different. It may be that you are starting your first ever job and need advice on pension schemes, or looking to retire and need guidance on income options. As part of the process I follow, I will discuss your aims and objectives in a free of charge meeting to establish what you are looking to achieve – this allows me to research the market and recommend the best deals for you.

Below is an overview of the areas I can help you with:

Investments and Savings

Do you have a large sum of money sat in a bank account that you don’t know what to do with? Have you inherited some money from a relative, or are recently retired and have a lump sum of money that you’d like to secure for your future? Whatever your circumstances, investing your savings is an option.

There are so many ways to invest your money, from tax efficient Individual Savings Accounts (ISAs), through to bonds and corporate funds. There are risks attached to investments and you aren’t guaranteed to double your money, but the rewards and benefits can be far greater than placing your savings in a bank deposit account. It’s my job to talk you through the risks and take into consideration your needs, circumstances and objectives to recommend how to invest your money wisely.

I can also help with Trust Funds and Inheritance Tax Mitigation.

Please note, past performance is no guarantee of future returns and the value of your investment can go down as well as up.

Retirement Options

Reaching retirement is a major milestone and can be an exciting but daunting prospect. You will have spent the majority of your life working with a regular income stream, to then retire and realise that you are relying on your savings and pension. This could leave you wondering how and where your money is going to come from - so what options are available?

• Flexi-Access Drawdown
• Annuity Purchase
• Open Market Option
• Phased Retirement
• Scheme Pension

As part of your free of charge consultation I can talk you through each option in more detail and recommend which one is right for you.

Pensions

Setting up a pension scheme ensures you can live as comfortably as possible once you have retired from work, providing you have saved throughout your working life. It’s never too early to plan ahead - because the more money you save the better off you will be when you retire - which is why it is so important to seek professional advice to ensure the right solution is in place for you and your needs.

Below are some of the pension options that I will discuss with you to determine which works best for you:

• Basic State Pension
• Occupational Pension
• Personal Pension Scheme
• Stakeholder Pension
• Workplace Pension

Protection

Unfortunately no-one knows what's just around the corner, which is why it is vitally important to protect your money in case of illness, redundancy, accident or death. Circumstances can change, so planning ahead and ensuring that the right cover is in place can make it easier and gives you peace of mind if certain situations arise.

I know it’s not pleasant to think about what might happen, but if you are considering starting a family or already have a family but haven’t quite got round to protecting your money, I would advise you to put something in place to ensure that your loved ones are secure. I can research the whole market and talk you through the options available so you can be reassured your family is in safe hands.

• Life Insurance
• Critical Illness Cover
• Income Protection Insurance

If you would like to find out more about any of these services in more detail then give me a call today.