What we do.

Goals based financial planning.

Financial Planning is about being able to answer those key important questions:

Are we going to be OK if one of us couldn’t work?
What happens if we decide to downsize?
Can we put our children through further education?
Can we walk away from work at a time of our choosing and not when the boss decides?
Can we do those things in our lives that satisfy our values, that achieve our goals without fear of later on running of money?

We use cashflow modelling software to enable us to understand the possible effects of financial decisions on our clients lifetime wealth.

We first create your personalised lifetime plan, which provides a snapshot of your current financial arrangements and expenditure, we then fast forward to see what the likely results are in the future, quickly identifying potential issues. We can then work together to identify your individual goals and lifetime cashflow needs.

Once your lifetime plan has been created, we apply our knowledge and skills looking for potential opportunities and risks. At subsequent reviews, track progress against your individual goals.

That is what our service delivers to our clients. It is not about telling you what you want to hear, it’s about telling you what you need to hear – the truth about your money.

Financial planning is about answering the big questions and ensuring your money supports your life goals.

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Our expertise.

Protection planning safeguards your financial future by preparing for unexpected events. Beyond life insurance and critical illness cover, it involves creating a tailored strategy to protect your family’s well-being and financial stability. We help identify risks and implement measures, ensuring peace of mind in any situation.

Protecting you & your family.

Finding the right mortgage can be complex and time-consuming. We offer a wide range of options and guide you through the entire process, from first-time buying to re-mortgaging. Our experts provide personalized advice, ensuring you secure a mortgage that fits your needs and financial situation.

Mortgages.

Inheritance Tax (IHT) and estate planning are essential to securing your family’s financial future. With expert advice, you can reduce the tax burden and ensure your wealth is efficiently passed on. We help protect assets, provide flexibility, and balance present needs with long-term goals.

Estate & Inheritance tax planning.

We offer a broad range of wealth management services, including employee benefits, corporate planning, tax advice, and more. Through our network, we access specialists for specific needs such as business exit strategies, specialist insurance, and philanthropy. These services complement St. James’s Place offerings for comprehensive support.

Other services.

Effective savings and investment planning secures your financial future, whether for family, retirement, or extra income. We tailor strategies to your goals and risk tolerance, leveraging St. James’s Place’s global fund manager expertise for diversified, resilient portfolios. Trust us to manage your investments with precision and confidence.

Saving & investment planning.

Planning for retirement ensures a stable, fulfilling future. We address key questions about retirement timing, asset management, and lifestyle support. By analysing pensions, investments, and taxes, we create a plan that maximizes your resources. Our practical approach helps you navigate complex options and confidently prepare for retirement.