Financial planning looks at the whole picture, not one product. These are the four areas we usually talk about.
How much you'll need, whether you're on track, and what to do with old workplace pensions you've lost track of.
Making your savings work harder, from ISAs to longer-term investments, at a level of risk you're comfortable with.
Using the allowances you're entitled to, like your ISA and pension allowances, so less of your money goes in tax.
Making sure what you've built goes to the people you choose, as tax-efficiently as possible.
We get to know you, what you've got and what you want. No cost and no obligation.
We gather the details of your pensions, savings, investments and plans, so nothing is missed.
You get clear recommendations in plain English. Any fee is agreed with you up front, before any work starts.
Life changes and so do the rules. We review your plan with you so it keeps up.
The inheritance tax nil-rate band each person has. It's frozen until April 2030.
The extra residence nil-rate band when your home passes to your children or grandchildren.
From this date, most unused pension pots are due to count towards your estate for inheritance tax.
The first chat is free. If you want to go ahead, we explain exactly what the fee is and what you get for it before any work starts, so there are no surprises.
We can track them down, look at the charges and benefits of each, and tell you whether it makes sense to combine them. Some older pensions have valuable guarantees, so it isn't always right to move them, and we'll tell you if that's the case.
Until now, most pensions have sat outside your estate. From 6 April 2027, unused pension funds and most death benefits are expected to be included. If your estate is near or above the thresholds, it's worth reviewing your plans, your will and who you've nominated on your pensions.
Whether you're starting a pension, saving for a house deposit or thinking about retirement, a plan helps you make the most of what you have.
Pop your details in and we'll call you back. The first chat is free, with no obligation.
The legal bit
Your home may be repossessed if you do not keep up repayments on your mortgage.
We don't charge a fee for mortgage advice.
Bridging, will writing, equity release and conveyancing are provided through our network of approved business partners.