Independent financial advice for working professionals

Another year older, another year wiser. But are your finances any better?

Is your money working for you, or is it losing value? Are you on track to achieve the things you want in life, or are you heading for disaster?

These aren’t easy questions, but they are important ones. That’s where we come in. Our financial health check helps you to make sense of it all.

Your Financial Health Check

We’ll provide you with a high-level summary of your finances, looking at:

…1.  Your personal balance sheet and net worth. Are your assets working hard or are they sitting idle?

…2.  Your retirement planning. Do you have enough? When will you have enough? And will you be okay?

…3.  Your arrangements for ‘what happens if…’. Do you have the right type of insurance in place to protect you and your family from life’s toughest moments?

Financial Scorecard

At the end, we will provide you with a one-page summary, that either shows:

…A.  Your finances are in good shape. Keep doing what you’re already doing, you’re on the right track.

…B.  Your finances are in okay shape, but a few tweaks need to be made. These are likely to be minor things, like repaying some debt, changing your investments or tweaking your pensions.

…C.  Your finances are out of shape and some work is needed. These are likely to be major things, like transferring your pensions or increasing your contributions.

Free Financial Health Check

We offer a free financial consultation, which works out where you are today, where you want to be and then creates a high-level plan to get you there.

It provides you with some practical steps you can take to improve your finances. By the end, you will be more financially organised and in control.

Book Free Financial Consultation

Keeping on top of your pensions isn’t easy, particularly when there are lots of them.

There is a danger that long-forgotten plans will end up sitting in poorly performing funds, and the paperwork alone can be enough to put you off looking any further.

If you’re planning on accessing your hard-earned pension savings in the next few years, you don’t want old-fashioned and underperforming pension pots slowing you down.

Pension Review

Our pension review service helps you make sense of your pensions. It will look at:

…✓   How much you’re paying in charges

…✓   What your retirement options are

…✓   How tax-efficient your pensions are

…✓   How your pension is performing

…✓   Whether there are any special guarantees

Then, if it makes sense to do so, we’ll bring them together. This can help you save time, hassle and money by making them easier to review, reducing the amount of paperwork and amount paid in charges.

We’ll get you financially organised so that managing your pensions on an ongoing basis is simple and easy.

Free Pension Review

To get started, we offer a free pension review. We’ll provide you with a clear summary of your current pensions. This will tell you one of three things:

…A.   Your pensions are doing a good job. No need to fix it if it’s not broken, leave things as they

…B.   Your pensions are doing okay, but a few tweaks are needed. Either we can do this for you, or you can do it yourself

…C.   Your pensions aren’t in good shape and some work is needed. We’ll organise this for you and put things back in better shape.

Book Free Pension Review

There are only two outcomes in retirement. Either you outlive your money, or your money outlives you.

As expert retirement planners, we work together to answer your biggest questions; things like, ‘do I have enough?’, ‘will I run out of money?’ and ‘what are the trade-offs?’

Research shows that 8 out of 10 people benefit from shopping around when it comes to retirement planning*. By working together, you could boost your income by up to 42%. **

Retirement Planning Service

Planning for retirement is likely to be the biggest financial decision you will ever make. At this critical point, working with a professional adviser can make all the difference.

As expert retirement planners, we can help you understand:

…✓   Retirement Options – what your retirement options are

…✓   Retirement Age – when you can afford to stop working

…✓   Retirement Income – how much income you’ll receive

We will provide you with your own retirement plan, giving you clarity and confidence about your future.

Free Retirement Review

To get started, we offer a free retirement planning review. This looks at where you are today, where you want to be and then creates a plan to get you there.

It provides you with a high-level retirement summary, looking at:

…✓   Retirement Savings –  how much you need to save for retirement

…✓   Retirement Date – when you can afford to stop working

…✓   Retirement Income – how much you can spend in retirement

Book Free Retirement Review

* Financial Conduct Authority. thematic review of Annuities, February 2014.
** Representative example of 60-year-old male living in Doncaster with multiple health conditions.