A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in...read more
Investing is what you can do with the savings you have created - if you are looking to generate a return on your money that is...read more
Everything you leave when you die, less anything you owe, is called your 'estate'. A will sets out what is to happen to your...read more
The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.
You are the focus of our business: You, your life, your family, your future.
Our understanding of your current financial situation is the keystone to the formulation of a financial plan which will meet your future needs. Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline.
So it all starts with listening. We listen to your needs, your hopes your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.
This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future.
Call us today on 01634 730800 or complete our short enquiry form by clicking on the form button below and we'll be pleased to help you.
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks. ...Read more
Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die. Taxation can be very complicated and the rules, reliefs and allowances ...Read more
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed ...Read more
Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions ...Read more
When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments ...Read more
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs ...Read more
All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate ...Read more
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family. ...Read more
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. ...Read more
This is an area of financial planning that is often overlooked. Traditionally, we have our buildings and contents insurance with our mortgage lenders, which may be uncompetitive ...Read more
If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. There is a range of equity release schemes available on the market offered by ...Read more
Upon reviewing our insurances we realised that we did not have any mortgage protection in place and engaged Alex to look at the options best suiting our particular needs. Alex explained the options with recommendations, and in particular obtained cover that would otherwise have been difficult or too expensive. We are now very confident that we have suitable and adequate protection in place that is not excessive but suits our current and future needs.
I would have no hesitation at all in recommending Phil to provide high quality, detailed and innovative financial planning advice. He has advised me for a number of years now on a wide range of affairs and really invests the time to understand your position and objectives, and works to provide the best solution. Overall, a very impressive service.
I have been working with Phil now for around 14 years in his field as a Financial Advisor, until then I had only been given ad-hoc advice. It was encouraging finally to find someone with the expert knowledge that Phil has to work with in a proactive and personable relationship. Over the years I have been associated with Phil he has given me invaluable advice and together we are now managing a wide range of my financial requirements, from investments and Pensions through to social impact planning. I am pleased to recommend Phil for these reasons and above all for his integrity and professionalism.
I first used Phil for a Will – that was in 1988! He has been a trusted and reliable source of knowledge that has since secured my future financial planning. I have a sound investment portfolio that has diversified my risk but also has been an exciting path to follow. Phil has helped me understand what areas I can invest in and taken decisions that I understand. He always speaks in a language I can understand and I feel I have a sound future when it comes to my financial planning.
I realised I had a passive IFA and in view of my pending early retirement I needed to find a more ‘tuned-in’ IFA. Philip completely reorganised my investments and pensions which resulted in a boost to income and investment returns. I have been very satisfied with the outcome. Obviously Philip cannot control the direction of markets but he does extremely well in providing the protection on investments that suits me and my attitude to risk across a number of products
Phil gave me excellent advice. He advised me on what plans best suited my circumstances and retirement plans. He explained the schemes in details without any pressure. The old schemes have now been transferred without any problems