What we can help with, and how it connects.
Most clients come to us for one of these and end up talking about two or three. They are all connected, which is why we would rather look at the whole picture once than at one piece of it repeatedly.
Mortgages
Your bank can only offer you its own mortgage. We look across the market, work out what you can actually borrow and handle the paperwork end to end. No charge to you for mortgage advice.
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Pensions
What you have, what it is invested in, what it costs and where it is heading. Including the pensions people have lost track of from jobs they left years ago.
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Life and income cover
Insuring the income that pays for everything else. Life cover, income protection and specified illness cover, with the premium shown after tax relief.
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Retirement
What happens when you actually stop: the lump sum, the tax on it, and whether an annuity or an ARF suits your circumstances better.
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Savings and investments
Where to put money that is not going into a pension, and what the tax treatment actually costs you over time.
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For business owners
Getting money out of the company efficiently, and protecting the business against losing the people it depends on.
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Inheritance and estate planning
What your family would actually be left with, and what can be done in advance to reduce the bill.
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Three steps, and no pressure at any of them
We find out where you stand
Half an hour, no charge. What you have, what your situation looks like, what you want. Mostly us listening and asking questions.
You get it in writing
A written summary of your position and our recommendations, with the reasoning, the charges and the alternatives we considered. Yours to keep either way.
We review it, properly
At least once a year. Circumstances change, rules change, markets change. If nothing needs doing, we will tell you that plainly.
Not sure which of these you need?
That is normal, and it is what the first meeting is for. Half an hour, no charge, and a written summary of where you stand.
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