FAQs

Yes this may or may not be appropriate depending on what benefits are provided by your pensions. Part of our work is to analyse what type of pension policy you have and advise you on the best course of action for you to take. Everyone is different so this is where advice is so important.

Not at all. This is a common misconception but everyone needs access to financial advice, whatever their level of wealth.

There are risks associated with investments, and the value of your investment can fluctuate, potentially decreasing as well as increasing. As part of our advisory process, we will assess your level of risk and capacity for loss, and recommend an appropriate investment for you.

We can advise you what steps you can take to protect your family if you were to be unable to work or you were to die prematurely to ensure your family is protected and your mortgage is paid.

There are several ways in which this can be achieved. As part of our ongoing review service, we would discuss the various steps you can take and also advise you as legislation changes to ensure you are doing all you can.

This depends on many things. How much money you have, how much money you need when you stop work and what you plan to do. We use Cash Flow models to let you know when you can retire.

It all depends on how much you will need in the future either in the form of lump sums or income. Using our Cash Flow software and after discussion with you, we can advise on what sort of savings level you should consider to give you the lifestyle you require in the future.

Not at all. Whatever your stage in life, it is always worth a discussion to see if you can do anything differently to improve your chances of a comfortable retirement.

It is never too soon to start thinking about your financial future. Even if you can only save a little to start off with, it is important to plan for your financial future as soon as you can.

As independent financial advisers we are able to consider all insurance companies and all investment companies when we make recommendations. Not all financial advisers are independent and some just use a limited range of companies or even just one company. We research the entire market when making our recommendations.

Yes you can. We can provide advice and guidance on how this can be done, advise on any tax concerns and provide you with a recommendation on options for you to consider.