Ensuring that you, your family and your home are protected during unexpected events is a key part of any financial planning. Putting in place the right protection is vitally important at a time when the state is looking to reduce costs and place the responsibility on individuals. We will discuss your needs and provide a solution that matches your individual budget.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

This area of financial planning has evolved rapidly over the last couple of decades. Fewer people enjoy the guaranteed income that comes with Final Salary pensions, you now have to wait longer to qualify for the state pension and we are living longer so your retirement savings need to stretch further. Having enough money in retirement is on your shoulders but we are here to help you reach your objectives and guide you through the maze of pension freedom’s.

The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.

Whether you want to build up a lump sum for future expenditure by saving on a regular basis or wish to invest a lump sum your money should be invested wisely to ensure that it’s spending power is protected in the future. With interest rates at all time lows it is difficult to invest in standard deposit based accounts and keep pace with Inflation and the cost of living. We have a process that is robust and will ensure any recommendation is tailored to your individual circumstances and goals.

Please be aware that most investments can fall as well as rise. You may get back less than you invested.

Purchasing a home is a significant transaction. Through our personal and comprehensive client service we aim to minimise any anxiety. We aim to make your dream come true whether it’s purchasing your first property, moving to your forever home or simply remortgaging to get a better deal. As we offer whole of market advice we will ensure you get the best mortgage based on your own individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

As part of our normal advice process we will always consider your income tax, capital gains tax and inheritance tax liabilities and work with you with careful planning to design a strategy that may help minimise these potential liabilities.

Tax planning is not regulated by the FCA.