Contact us to find out more about a personal financial review and request a meeting at your convenience. The first meeting is at no cost or obligation.

We serve clients in the Chilterns, Thames Valley and north-west London.

We offer advice on:

Retirement planning

• Funding your retirement with a personal pension.
• Advice on whether or not to transfer out of occupational pensions.
• Do you really know how well your pension is growing? Do you review it annually?
• Do you know how much you’ll need to retire on adjusted for inflation?
• Do you know whether your current contributions are likely to be adequate for the level of retirement income you want at your selected retirement age?
• Don’t leave it to chance and hope for the best. Together we can take control of your retirement plans!

Retirement incomes

• Are you about to retire? Do you know whether an annuity is better or worse for you than income drawdown? Let us advise you on the best way of securing a retirement income so you can enjoy your retirement.

Investment

• Are you thinking of investing in an ISA?
• Do you have a lump sum to invest?
• Do you really know what your attitude to risk is and how it affects your investment strategy?
• Do you really know how your investments are performing?

Personal protection

• life assurance
• income protection
• critical illness cover
• accident, sickness and unemployment insurance

Mortgages

• Are you uncertain whether a fixed or tracker is right for you?
• Are you sure whether an offset mortgage would work for you?
• Do you need to get a mortgage as quickly as possible?
• Be aware that failure to keep up your mortgage payments could result in your home being repossessed, so taking expert advice on a mortgage could be one of the most important things you do.

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

For mortgage advice we can be paid by commission or we can charge a fee of typically 0.35% of the loan amount.

Inheritance tax planning

• Whether you are preparing your own inheritance tax or considering your parents’ inheritance situation, the earlier you start planning for this tax, the better off you or your heirs could be in the long run. This tax kicks in at 40%, so planning this tax correctly could save you a significant amount of money.