Being a qualified financial planner shows that we are reputable and capable of providing advice with integrity. In line with our status we are committed to placing your interests at the heart of our advice as well as earning and maintaining your trust, protecting your interests and working within the limits of our abilities and what you authorise us to do.

In the first instance please contact the office by phone or email to inform us about your current situation, what you are looking to achieve and if there are any specific issues you would like to address. From this we will then arrange for an initial no obligation consultation with one of our financial planners who will discuss our services and charges with you.

No, there is no charge for a no obligation appointment so you can decide whether or not you want to proceed to formal advice that you will pay for.

Home visits can be arranged by agreement, there will be no additional charge for this.

Our normal working hours are Monday to Friday, 9 to 5, however all of our advisers are flexible to try to meet client’s needs and we will try our best to arrange a meeting time which suits you.

We are independent financial advisers and can advise on all areas of finance and on all products and providers. We are not tied to any particular providers and can offer products from the whole market.

All of our advisers must meet the minimum Financial Advisers’ International Qualification (FAIQ).

We match our clients to the best suited advisor for their needs.

It really depend what you wish to see your adviser about. It’s often helpful if you have paperwork to hand for any existing policies you would like to review or discuss.

Yes – 100% independent. This means that we’ll find the right financial solutions for your specific needs.

Again, we’re flexible. Most meetings are around an hour, but we allow up to two hours in case there’s a lot to discuss.

Nope. Good things take time – we’re in no rush and think that you should have plenty of time to consider if we’re the right financial advisor for you. There’s absolutely no pressure to make a decision, in fact, even if you want to commit immediately, we have a ‘sleep on it’ policy, which means you have to take some time to consider if we’re the right fit.

Either give us a call or email.

Service continues as normal! Please contact our office.

Thank you for asking… It’s the strategy of all your money management and what’s happening with it. 

Only those in particular employment areas which are deemed as high risk who die in active service for example armed forces personnel, police, firefighters and paramedics, plus humanitarian aid workers.

When you die, assets left to your spouse or registered civil partner, as long as they’re living in the UK, are exempt from inheritance tax. Also, your partner’s inheritance tax allowance/ nil rate band rises by the proportion of your allowance that you didn’t use.

Retirement might not be at the top of your agenda right now, and we appreciate their may be other financial goals which take priority. That said, the sooner you start the better. This way, your hard-earned savings will have longer to grow. And whilst growth is never guaranteed, the longer you allow for interest to compound on your investments the better. If you start saving in your twenties, you can put less aside each month and build up more retirement savings by harnessing compound interest. If you leave it until your fifties or sixties, you’d need to save much more to provide the same level of income in retirement which could have an adverse effect on your day to day living.

It’s a good idea to think about how much income you will need when you retire. Think about the lifestyle you’d like to have in the future – holidays, hobbies, time with family and friends. Everyone is different so each retirement dream will look different! You may be able to supplement your retirement income with other sources of income, such as interest from other savings and investments, share dividends, rental income from property or part-time work. Financial advisers come in handy here and will be able to work out a realistic figure for you and help you plan how you’re going to achieve your retirement goals.

Life insurance isn’t a requirement, however if you have dependants such as a spouse or children, who rely on you financially, a life insurance policy provides peace of mind that they would be looked after should the worst happen to you.