Planning

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.