Financial Planning very rarely is isolated to just one aspect of your life. It is important to be able to take a view on your full situation, both personally and financially, to understand how best to construct your financial arrangements so that they benefit your life to the fullest, whilst also meeting your needs and requirements.

To ensure we are adding the most value to you we take this holistic approach to financial planning. Our services include the following:



Time doesn’t stand still and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation.

With low interest rates meaning very low returns on savings, more investors are seeking alternatives to provide better returns and help their money guard against the effects of inflation.

Given recent lessons learned in stock market investing, more investors are seeking more conservative and balanced investments to provide the advantages of decent returns over the longer term, whilst restricting the volatility of their money to help safeguard their capital.



Retirement plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine when retirement was only expected to last five to ten years.

These days, however, people are living longer. It’s not unusual for someone retiring at age 65 to live to age 90 or longer. Consider that you may need to plan for your nest egg to last potentially 25 to 30 years.



When you retire the three main options you have with your pensions are:

•    Take the income from your current pension provider
•    Use the open market to purchase an annuity with a higher income than your current pension provider
•    Transfer the pension to flexi-access drawdown to access income and capital from your pension

There are many considerations:

  • Do you need to provide for your spouse on your death? 
  • How will you cope with the cost of living increasing over the years? 
  • How much income do you need to live on? 
  • Do you want to pass any remaining pension onto your loved ones upon your death?

Recent changes in pensions made by the government has made them more attractive and has also reinforced the need for advice.



Life assurance isn't for those who have died—it's for those who are left behind. When looking at life assurance, consider needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs.  As far as the various types of policies go, they can generally be placed into one of two categories: Term and Whole of Life.

Term assurance generally provides cover for a specified period of time, and pays out a specified amount of cover to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Whole of Life assurance on the other hand does not need to be renewed. A Whole of Life assurance policy will stay in place permanently for the rest of your life.

There are other forms of protection such as critical illness and income protection.  These help take care of you in the event of contracting a serious illness such as cancer, or having a life changing accident.  They are designed to either pay you a lump sum (to pay off such things as your mortgage), or to pay a monthly amount to replace your income.



Whether you are buying your first house, moving home or re-mortgaging, the ‘mortgage market review’ has made getting a mortgage potentially harder, with even more hoops to jump through.  You can waste a lot of time, effort and money going from bank appointment to bank appointment and applying to just a single lender, without being able to see the whole market in one snap shot.

Independent advice can do just that and using our professional industry knowledge we can help guide you to the right mortgage the very first time, taking much of the hassle out of the mortgage process for you.