We are proud to be accredited by the following organisations:

Fiona Sharp

Stephanie Clark

This website is applicable to UK Residents only.

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Services 2017-12-05T11:11:58+00:00

We offer a wide range of financial planning services.
Please select any of the categories below for more information.

For more about how we can work with you click here to scroll down.

It’s not unusual to feel worried and isolated especially when your life has not worked out as perhaps planned. We are used to helping clients make sense of their separation and we will support you as much as we can.

Fiona is a Resolution Accredited specialists in all aspects of financial planning on divorce, including:

  • Cashflow planning to assess the fairness of financial settlements
  • Deciphering pensions in general for you.
  • Pension Sharing Order work (sometimes in conjunction with actuaries)
  • Help with budgeting
  • Preparation of financial information for your lawyer or the Courts
  • Maintenance protection
  • Advice on how to separate investments and property
  • Acting as a “neutral” financial planner in the divorce process. We can work jointly with you and your partner to help you navigate an impartial way forward
Illness can often have a bigger emotional impact on our financial outgoings than death because we are still around to cope with the consequences.

We can help you establish what you have in place

  • How long would your employer or business pay you if you were ill?
  • Do you have sufficient savings in place to cope with periods when you are unable to work?
  • Could you pay your mortgage if you were sick?
  • Would you need a lump sum or a regular income if you suffered a serious illness?

We can then discuss a suitable plan of action.

The plan will have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

We realise that pensions don’t always get the best press, and there can be a lot of confusion around the myriad of ever changing rules and jargon. We can help you translate your pension information into understandable retirement plans.

We would normally ask you questions such as;

  • Do you understand the pension arrangements that you have?
  • When (and how) would you like to retire?
  • How much income will you need to support your lifestyle?
  • Are you on track to achieve your desired retirement?
  • How are your current pension plans performing, and are there any “quirks” to your policies/schemes?
  • Do you know your state pension age and the new rules?

If you are not sure of the answers, we can work together with you to help you plan ahead.

If you know where you are going, we can help you stay on schedule.

We all like to save for the proverbial “rainy day” but with interest rates at an all time low, it’s hard to know where to get the best return on our hard earned money.

We can’t promise you a fabulous interest rate, but we can offer you a confidence check…

  • Are you making the most of your tax allowances?
  • Could you budget better in order to save a little more?
  • Is your portfolio performing well and within your risk profile?
  • Could you save in a better way?
  • Should you be overpaying your mortgage?

We try and have some useful top tips up our sleeves, so come and have a chat.

Sometimes, our clients just need some reassurance that their financial plans are on track to meet their goals, especially when those goals are some years away.

We can help you work through various scenarios to help you visualise your fiscal future.

  • Do you need to plan for school or university fees? If so, how much do you need to save?
  • Can you retire early? If so, what will your lifestyle look like?
  • Will your divorce settlement be enough to meet your reasonable outgoings?

It can always be reviewed too- as and when you need it.

Life Assurance

We all think it won’t happen to us, but we like to gently encourage our clients to think about the financial impact of an early death on the family. We know it’s sometimes a difficult discussion to have, but once planned for, you can get on and enjoy life without further worry.

The aspects we consider are;

  • Would your family manage financially if you die prematurely?
  • Do you have any life assurance through work, or any pensions which have dependant’s benefits attached?
  • Would your home be secure?
  • Have you made good use of trusts?

We make sure you only have the protection that you need, tailored to your personal circumstances.

Peace of mind counts for a lot in our book.

The plan will have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

As Benjamin Franklin once said “In this world, nothing can be said to be certain, except death and taxes”. Inheritance Tax spans both of these.

We recognise that this can be a sensitive area, and not everyone wants to approach it in the same way. Inheritance Tax planning does not always have to be complicated, and there can be straightforward measures that you can take to reduce your estate.

For example;

  • Have you made a valid Will (and updated it post marriage or divorce?)
  • Do you have a Lasting Power of Attorney?
  • Do you actually need to protect your estate against Inheritance Tax?
  • Are you up to date on gifting allowances and the new main residence allowance?

Sometimes, you may need to consider more complex trust planning or specific specialised investments to meet your objectives, but we can certainly discuss the options with you.

We’d just like to let you know that Inheritance and Tax Planning advice are not regulated by the Financial Conduct Authority.

“The perfect mix of expertise & experience.”

Contact us…

Consultation

Our no-obligation first meeting is at our expense and is held at a mutually convenient location during the working day.

We’ll listen carefully to your plans & financial requirements and discuss the potential outcomes with you. Our advice is not always “product driven.”

Fees & costs

If you ask us to work with you, we will give you a written estimate of the cost of our advice (whether you proceed with a recommendation or not) before we go any further.

We charge fixed fees for certain types of work, and we will explain fully what that means to you. For your own peace of mind, you will never receive a bill that you weren’t expecting or had not agreed in advance.

Service

When you have given us the “go ahead”, we will take time to carry out our research, and offer our recommendations which are backed up in a full written report which we present to you at a second meeting. We will keep you informed of our progress.

Should you wish to proceed with our advice, we will naturally help with any necessary paperwork to make the whole process as seamless as possible.

We really want you to have a fully interactive service from us, and you are naturally welcome
to seek continuing advice 
from us once the initial work is complete.
Ongoing client care is at the heart of our business!

Disclaimer: The value of units can fall as well as rise, and you may not get back all of your original investment.