Personal Financial Planning

We advise on pension and investment planning to ensure clients can meet their aspirations for a secure retirement.

Investment planning is no less important when our clients reach retirement. Having accumulated wealth over a lifetime, cost effective and tax efficient ‘decumulation’ also matters. Following the Taxation of Pensions Bill and Pension Act 2015, there are now more options at retirement than at any previous time.

We advise on the choices clients have at retirement including the different types of annuity, equity release and investment drawdown available.

We advise our clients on making contingency plans to protect and provide for their families should the unexpected happen due to ill health or untimely death

• Life assurance
• Income protection
• Critical illness cover

Property purchase has always been a key component in a lifetime’s financial plan. The Mortgage Market Review and the Mortgage Credit Directive have made the processing and placement of mortgage lending a more involved process with tighter controls on the assessment of long term affordability.

We work with clients to source the most cost-effective and suitable mortgage solutions.

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.