Personal Financial Planning

People we can help

• Are you approaching retirement and seeking advice on your options?
• Have you recently received a Court Award and want advice on investing your fund to provide for the long term?
• Are you self-employed and looking to set up a low cost pension arrangement to save for your retirement?
• Do you have an existing Approved Retirement Fund (ARF) but would like a review of your current investment strategy and charging structure?
• Are you interested in seeing if your current pension arrangements will provide you with an adequate income in retirement?
• Are you interested in passing your assets to the next generation in the most tax efficient manner?
• Have you recently been offered an Enhanced Transfer Value (ETV) and would like advice on your options from a pensions expert?
• Do you want to ensure that your family are financially protected from unforeseen circumstances?

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Why choose us for financial advice Our experienced consultants will strive to provide clients with sustainable, pragmatic and workable strategies to secure their financial future. With a background in actuarial and investment consulting and providing advice to large pension schemes, our advisors have the necessary tools to provide you with a bespoke investment strategy with a strong focus on low investment charges. We can provide advanced cashflow modelling that can help you better understand your likely income and expenditure requirements in the future. Our survival probability models can show your life expectation which can be used to reduce the ARF “bomb-out” risk when setting your annual draw down. We are not tied to any life insurance company or investment manager and will recommend the most suitable strategy for your specific circumstances. We provide complete transparency on any fees and commission payable which will be agreed in writing with you. Sustainability Factors: When providing advice, we consider the adverse impact of investment decisions on sustainability. As part of our research and assessment of products, we will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG (Environmental, Social and Governance) products. We will at all times act in our client’s best interest and keep our clients informed accordingly. The consideration of sustainability risks can impact on the returns of financial products.

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