• Retirement Planning
  • Investments
  • Tax Planning
  • Life Protection
  • Critical Illness
  • Mortgages
Older Couple

One thing that is absolutely certain is that we all get older. It is becoming increasingly important that we plan and make provision for our old age. The State Retirement Pension is set at a subsistence level only and as we are all living much longer, it is an absolute necessity that we make adequate private provision to ensure that we can do the things we want to do when we have the time to do them. We can help you shop around for the best Annuity Rates; look at options such as Income Drawdown and Phased Retirement, providing the best options for our clients using the whole market place.

We can advise and implement personal pensions and a range of group Stakeholder schemes for large, medium or small employers. We advise employers and employees on these schemes providing advice at work or in the comfort of your own home. This is particularly important due to the auto-enrolment laws that came into force in October 2017. From this date employers must fulfil their obligations re workplace pensions.

It is important that employers and employees are in the best position to comply with the new rules and that staff receive adequate advice we can help not only with your own scheme but help your staff members as well. Make sure you have adequate Income for your retirement and ensure bills, expenditure and all the nice trips planned can be completed rather than postponed or never taken at all.

Don't hesitate; take action now so that you are well prepared. Whether you are concerned with your personal pension provisions or stakeholder schemes, whatever your needs contact us on: (01768) 898559.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.


Investment Capital is too hard to accumulate for it not to be working for you as efficiently as possible. We aim to help our clients get the best from their money based on their circumstances and objectives.

Successful investing is about establishing your individual attitude to risk and choosing the right mix of investments to suit this. The choice of the correct investment vehicle from the thousands available is vital. We can offer our extensive knowledge and experience to aid the decision making process and ensure that you are left with a fully diversified investment portfolio which suits your individual needs. An increase in the diversity of your investments can reduce volatility and improve the potential of consistent performance whether you are aiming to provide income or growth in capital.

When choosing your investments most products would be considered, including tax efficient options such as ISAs and Investment bonds. We can also offer investments should you wish to plan ahead for your children or grandchildren's education throughout their school and university life.

WWe can also transfer existing PEPs and ISAs to put them under our control and manage them for you going forward Which ensures you have the correct advice, Correct Risk Profile and Fund Choice.

Whatever your investment needs an Independent Financial Adviser can aid you in your investment decisions. For more information, or to discuss your investment needs contact us on: (01768) 898559.

The value of investments and income from them may go down. You may not get back the original amount invested.

Tax planning

We are all forced to pay tax but in terms of personal taxation, Income Tax, Capital Gains Tax and Inheritance Tax, we should aim to pay as little as legally possible.

The aim of successful tax planning is where we pay:

"Not a penny more and not a penny less than we have too".

This must be given true prominence in the realm of overall financial planning for individuals from all walks of life. Whether you require advice on your tax position within your business or want help on covering your inheritance tax liabilities an Independent Financial adviser can help you.

An Independent Financial Adviser will always have your tax position in mind when making recommendations and can help point you in the right direction even in complicated situations.

Let us review your tax position and see if there are any ways in which we can save you money. For more information or to discuss your tax positions further contact us on: (01768) 898559.

Tax planning is not regulated by the Financial Conduct Authority. Tax treatment is based upon individual circumstances and may be subject to change in the future.

Life Protection

Life protection insurance is all about providing a financial safety net for your loved ones, so that your dependants can cope financially, in the event of your premature death.

Life protection policies can be used to pay lump sum amounts to remove the burden of any debts and can also provide an income to support your dependants for a required period of time.

Obtaining professional advice in this field is highly recommended as the choice of products available in the life assurance market is vast. Liabilities, terms and payment provisions are just some of the points that must be considered when taking out a life protection policy.

As Independent Financial Advisers we are able to source all markets available to IFA's to make sure that you are equipped with the most suitable protection solutions to fit both your budget and cover your protection needs. With our extensive experience in this field we can ensure that all of your protection needs are covered and that you are not left with a shortfall of payment in your moment of need. Our services include reviewing any protection policies that you may already have in place to make sure these policies will still meet your protection requirements.

These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Nobody knows what is round the corner; ensure your loved ones have adequate financial protection when you're gone. For more information or to discuss your life protection needs contact us on: (01768) 898559.

Critical Illness

Critical illness cover can give you protection when you need it most and provide peace of mind for both yourself and your family.

We cannot predict what is going to happen in our lives. All too often it is possible to forget that if we cannot work due to sickness or an accident the bills still have to be paid. Many employers do not cover your income in the instance that you are off work sick. In circumstances where employers do agree to pay your wages there will almost certainly be restrictions on the duration of payment and the amount of money paid.

It is important to have a plan in place which can protect your financial needs when necessary. We can provide you with comprehensive critical illness insurance should you or your partner fall ill with a serious illness or become permanently disabled through an accident. We can also advise on a range of payment protection plans including Income Protection Plans which cover your salary or wage in the event that you were off work for the long term. These plans can prove crucial if you are self-employed and can provide cover until retirement for a relatively inexpensive for a plan providing cover for such an extensive period.

This area has a very wide range of cover available. It can be very easy to choose a policy that does not provide the right plan for the needs of your family and situation. As Independent Financial Advisers we can advise you on the correct policy for your situation taking into consideration your current and future needs. We can source the correct plan for you using the whole of the market.

Critical Illness plans have no cash in value at any time and will cease at the end of term. If you stop paying your premiums your cover may end.

Critical Illness Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, should you go ahead with the plan.

Let us look at your critical illness position fully and give yourself peace of mind that you are paying out for a policy which keeps you and your loved ones adequately covered. For more information or to discuss your critical illness needs contact us on: (01768) 898559.


For many people it is unlikely that they will make a bigger financial commitment than a mortgage.

We are fully independent having over ten thousand schemes available to research, matching the right mortgage to your personal needs. We are able to arrange mortgages to cater for all classes of buyer including: first time home buyers, New purchases, Re-mortgages, Second property purchases, Buy to Let* etc.

An independent financial adviser will take time to look at your current situation fully as well as your future expectations in order to advise and help you get the best deal possible on your mortgage. Our extensive knowledge and experience can help you in this complex area.

The long term nature of the business we do with our clients means that we are able to come and see you at the end of your deal to check that your deal is still the most appropriate and cost effective for your individual needs. This appointment can be at your home or in our offices whichever is easiest for you. If necessary, our partners would then source a new deal for you from the wide panel of lenders available to us as Independent Financial Advisers.

As we are independent and not "tied" to any particular product provider you can rest assured that the deal offered will be the best for you. Mortgages are a long term financial commitment. It is important to get your deal right. Whatever kind of mortgage you need let us help you source the right deal for you. For more information or to discuss your mortgage needs contact us on: (01768) 898559.

*The Financial Conduct Authority (FCA) does not regulate most forms of buy-to-let mortgages.

Our typical fee for mortgage advice is £300.00, although the precise amount will depend on your own circumstances. In certain circumstances the fee may be waived. Full discussion would take place prior to proceeding with a mortgage application in these cases. We may also be paid commission by the mortgage lender. Again, this is fully disclosed during our meeting.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.