Planning

Achieve financial freedom and peace of mind with our financial planners.

What is financial planning?

It's always important to have a plan, especially with your finances.

But deciding what to prepare for can seem overwhelming. Don't worry - this is where we come in.

We'll help you figure out what your goals are, and we'll give you jargon-free advice on how best to achieve it within your comfort zone.

We're passionate about making financial planning stress-free, and we've been doing this for over 10 years. As the first Chartered financial planning firm in Cambridgeshire, we've helped thousands of clients achieve their goals, placing their needs at the forefront of everything we do.

Financial Planning

It always helps to have a plan. The same goes for your finances.

A Financial Planner helps you identify your personal goals, and advises on the best way to use your finances to achieve them.

Whether it's securing a comfortable retirement, paying for school fees or owning your dream holiday home, our team can help you.

You may feel like you need some sort of financial planning but are not sure what to include, speaking with your Independent Financial Adviser will help you with this. Financial planning can help you with the management of finances to ensure you can reach your financial goals and create the lifestyle  you desire. Beacon Wealth Management Ltd can make financial planning stress free.

When planning for your financial future you need to consider the amount of risk you are willing to take, along with the outcome that you want to receive. Beacon Wealth Management Ltd has highly qualified Independent Financial Advisers who can assess your current financial situation, develop, and help implement a time scaled plan in order to reach your goals.

Due to the ever-changing environment, your plan will no doubt need to be developed and changed as time goes on.  This is why the dedicated team at 

Retirement & Pensions

Make sure your pensions and savings are as retirement-ready as you are.

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Passing on Wealth

Pass on your money efficiently and manage potential issues with Inheritance Tax.

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Health & Protection

Protect your income, your loved ones and your business, should the unexpected happen.

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Long-Term Care

Protect your money from the costs of long-term care, and find support you may be eligible for.

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Divorce

We can work with your solicitor to make sure you get the financial outcome that is right for you.

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Mortgages

Our in-house service provides advice on mortgage products on and off the high street.

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Retirement should be the most enjoyable time of your life, spending time doing the things you love to do. Maybe it's owning a dream home, travelling, or starting a new venture.

But there's always that age-old question: will I have enough money to retire?

The sooner you engage an adviser - even if you are in retirement already - the better your chances of answering this question.

Pensions are one of the best ways to save for retirement, but they can be complicated to understand. Whilst the state pension alone is no longer enough to support living in retirement, many individuals have multiple workplace pensions they're unsure how to manage.

Our team can help create a personalised retirement strategy, tailored to your income, financial requirements, and risk tolerance. We'll provide advice on the pension options available, and other savings vehicles, depending on your needs.

We aim to maximise your retirement income, to help you enjoy the retirement you deserve.

After working hard to build your wealth, ensuring its smooth transfer to loved ones is important.

However, dealing with a larger estate can be complex and emotionally challenging to discuss with family.

We assist in planning to maximise your estate, transfer wealth, and find ways to manage and reduce Inheritance Tax.

IHT is a complex area of taxation, so if you’re keen to reduce your liability and ensure more of your money goes to your chosen beneficiaries, we can help you.

Our team can advise you what steps to take, and help you move forward safe in the knowledge that you’ll be leaving the maximum amount possible to your loved ones.

We provide advice on areas such as:

  • Making a will
  • Checking for Inheritance Tax liability
  • Exemptions
  • Gifting
  • Life Cover
  • Business Property Relief
  • Assets free from Capital Gains Tax

It's always best to prepare for the unexpected. What would happen to family and finances in the event of a serious illness?

Protection policies can give you a safety net of support. They can cover medical costs, mortgage payments and even salary payments, giving you and your family peace of mind.

We'll help you figure out what to protect, how much cover you'd need, and how long it should be in place for. We'll then help you choose the best combination of policies from the various options available.

Do you have a family member in need of assisted living? 

As our ageing population increases, more and more people are having to fund all or part of their own care. The question is how are you able to afford it?

Many believe assume selling a relative's home is the answer, but that's not always the case. You may be eligible for more financial help than you'd think.

We can help you maximise your money to help cover the costs of care, whilst ensuring you're claiming the benefits and allowances you are eligible for.

The decision to separate can be a difficult and emotionally challenging time. The choices you make will have an impact on your future lifestyle and finances.

Contact a solicitor early in the process, but also seek financial advice to ensure the financial settlement is right for you. Many people don't consider financial advice until after a settlement has already been agreed. Without advice early in the process, misunderstandings and incorrect valuations of assets such as pensions, savings, and investments can occur.

If you have already agreed a settlement, it's not too late to seek advice, particularly if you've received a lump sum settlement. We can help you decide how best to maximise the settlement as you enter this next chapter of your life.

Whether you're a first-time buyer, re-mortgaging or just want a better interest rate, we can help you secure the right mortgage for you.

A mortgage is one of the largest financial commitments you can make. The right mortgage and re-mortgage advice can have a significant impact on your finances.

Our adviser can offer mortgage rates that you might not find on regular high street or price comparison websites. This means you could end up paying less in the long-run, even if there was a fee for mortgage advice.

There may be a fee for mortgage advice. The Financial Conduct Authority does not regulate personal loans or commercial mortgages.

Retirement & Pensions

Retirement should be the most enjoyable time of your life, spending time doing the things you love to do. Maybe it's owning a dream home, travelling, or starting a new venture.

But there's always that age-old question: will I have enough money to retire?

Working with an adviser - even if you are in retirement already - will help you answer this question.

Pensions are one of the best ways to save for retirement, but they can be complicated to understand. The state pension alone is no longer enough to support a retirement, and you may have multiple workplace pensions you're unsure how to manage.

We can give you a personalised retirement strategy, tailored to your income, financial requirements and risk tolerance. We'll provide advice on pension options and other savings vehicles.

We aim to maximise your retirement income, to help you enjoy the retirement you deserve.

Passing on Wealth

After working hard to build your wealth, you want to make sure it goes where you want it to go. But discussing what will happen to a larger estate can be a complex, difficult time.

We'll give you a plan to maximise your estate, transfer your wealth, and find ways to manage and reduce Inheritance Tax (IHT).

Our team can advise you what steps to take, and help you move forward safe in the knowledge that you’ll be leaving as much money as possible to your loved ones.

We provide advice on areas such as: Wills*, checking for Inheritance Tax liability, exemptions, gifting, life cover, business property relief, assets free from Capital Gains Tax (CGT).

*Please note that we do not write Wills. We can refer you to a solicitor, if you require this service.

Health & Protection

It's always best to prepare for the unexpected. What would happen to your family and finances in the event of a serious illness?

Protection policies can give you a safety net of support. They can cover medical costs, mortgage payments and even salary payments, giving you, your family and even your business peace of mind.

We'll help you figure out what to protect, how much cover you'd need and how long it should be in place for. We'll then advise on the best policies for you to have.

Long-Term Care

Do you have a family member in need of assisted living? 

As our ageing population increases, more and more people are having to fund all or part of their own care. The question is: where will the money come from?

You may not always have to sell a relative's home to fund care. You may be eligible for more financial help than you'd think.

We can help you maximise your money to help cover the costs of care, and make sure you can claim what you are eligible for.

With pre-planning, we can also ring-fence savings and other assets accordingly.

Divorce

The decision to separate can be a difficult and emotionally challenging time. The choices you make will have an impact on your future lifestyle and finances.

Contact a solicitor early in the process, but also seek financial advice to ensure the financial settlement is right for you.

Many people don't consider financial advice until after a settlement has already been agreed. But your financial situation can dictate the settlement conversation.

Without advice early in the process, misunderstandings and incorrect valuations of assets such as pensions, savings, and investments can occur, leaving you worse off.

If you have already agreed a settlement, it's not too late to seek advice, particularly if you've received a lump sum settlement. We can help you decide how best to maximise a settlement as you enter this next chapter of your life.

Mortgages

Whether you're a first-time buyer, re-mortgaging or just want a better interest rate, we can help secure the right mortgage for you.

A mortgage is one of the largest financial commitments you can make. The right mortgage and re-mortgage advice can have a significant impact on your finances.

Our adviser can offer you mortgage rates that you might not find on regular high street or price comparison websites. This means you could end up paying less in the long-run.

Our Mortgage Fees
New clients £395
Existing clients £295
Product switch £150

The Financial Conduct Authority does not regulate personal loans or commercial mortgages.

Need advice? Let's Talk.

To find out if we are right for you and if you need a financial planner, book a meeting with us.

The first meeting is always complimentary.

Insights & News

Will new changes to final salary pensions affect you?

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April 2024  |   1 minute read
Retirement Planning

Retirement should be the most enjoyable time of your life, spending time doing the things you love to do.

Learn More
Passing on Wealth

After working hard to build your wealth, ensuring its smooth transfer to loved ones is important.

Learn More
Health & Protection

It's always best to prepare for the unexpected. What would happen to family and finances in the event of a serious illness?

Learn More
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