Financial Planning for Individuals

We help individuals to focus on their financial objectives and we then develop clear financial plans to help achieve them. Understanding what your aims are is key to developing a sound plan and structuring investments in line with your approach to investment risk, timescales for investments and the various tax thresholds. Once the plans are in place then it is important to keep them under review, most of our clients value this in depth approach with regular reviews as it keeps them focussed on what they really value in terms of achieving their stated objectives.

A key element to any financial plan is that it adapts to the changing needs of a client. For example, a client approaching retirement has different financial needs to one that is in retirement and considering long term income needs. We also regularly assist clients that have either long term care needs themselves or their parents need some planning advice to provide an understandable plan for care needs.

The initial meeting with us is without any charge to potential clients. This allows us to understand what you are hoping to achieve and we can provide an outline of what we would do to assist you and the likely costs. The first meeting allows you the chance to get to understand how we work before deciding if you wish to use our services.

The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028).