Our Services

The expertise of our accredited and experienced financial planners covers a broad spectrum, so no matter what your future aspirations are, we have the know-how to help you achieve them.

Some of the key services we can provide for you are:

Building a bespoke financial plan

Our goal is to help you ‘live life on your terms’, and to do that, we dig deep to get a clear understanding of what those goals and terms are. We will prepare a bespoke financial plan based on your situation now and where you would like it to be, this will give you goals to work towards and a clear route to achieve them.

Retirement planning

Enjoying a long and happy retirement is the ultimate goal for many people, but how do you ensure you have the right plan in place to do this? It’s never too early to start planning for life after work – between tax free lump sums, flexi-access drawdowns and lifelong annuities, there’s a lot to consider and the goalposts are ever-moving. Our financial planners work with you to review any existing plans you may already have in place, establish what you want from your retirement, and use cashflow and lifestyle modelling to help you identify what you need to do to get there. For an insight into the guidance we can offer, you can view a series of short videos here from our 2021 webinar with The Scotsman on “Retire better: How do I do it?”.

Intergenerational Wealth advice and planning

One of the most common reasons people want to get started with financial planning is to ensure that the future generations of their family are provided for. We can help you create a strategy to ensure that your wealth is passed on to your beneficiaries in the way you wish; but more than this, we work with your beneficiaries too to make sure that they themselves know how to manage their money. While younger generations may not be spending as much time thinking about their future as older generations, it’s important that your whole family understands your financial goals and strategy, and the part they play. A solid understanding of the importance of a financial plan and how to manage assets means that wealth can continue to be passed down for generations to come.

Investments and savings

Investments are likely one of the first things that spring to mind when you hear the phrase ‘financial planning’. With the myriad of options available, choosing where, when and how to invest or save your money can be an intimidating prospect – so that’s where we come in. Taking into account your personal objectives and what you want your money to do for you, we’ll compare the various alternatives and talk you through the potential benefits and risk level of each one, to help you reach the decision that’s right for your circumstances. We’ll also ensure you structure your investments and finances in the most tax-efficient way possible.

Pension advice

Navigating the world of pensions can seem like a minefield. There are a number of different types and, if your future income will rely entirely on your pension, it’s important to know you’re putting enough in now to live from later. We help you evaluate which pensions are the best options for your lifestyle, guide you on how much to save into your pension pot at each stage of your life before you reach retirement age, and advise on whether additional forms of saving might be beneficial.

We also have expertise in NHS pensions, which is a specialist area requiring a thorough understanding of the medical & healthcare industry.