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A 30 minute discovery call to answer your questions and give you some initial suggestions. No commitment, on us
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Years in business
Free
Initial consultation
We can help you with:
Pick the area that fits your situation.
Not sure where to start?
We'll point you in the right direction.
Every client's situation is different. If you're not sure which service applies to you,
just get in touch. The first conversation is always at our expense.
Book your discovery call
Planning for retirement
Do you know what your pension is actually worth? Do you know when you could retire,
and whether you’ll have enough when you get there?
Most people don’t have clear answers to those questions. We help you find them, and
build a plan to get you where you want to be.
A pension is a long-term investment not normally accessible until 55 (57 from April
2028). The fund value may fluctuate and can go down, which would have an impact on the
level of pension benefits available.
Financial planning for business
Running a business takes everything you’ve got. Making sure your profits are structured tax-efficiently, your business is protected, and your personal finances aren’t being left behind. That’s where we come in
A pension is a long-term investment not normally accessible until 55 (57 from April
2028). The fund value may fluctuate and can go down, which would have an impact on the
level of pension benefits available.
Growing your wealth
Are your savings and investments actually working for you? Do you know what they’re costing, what risk you’re taking, and whether they’re as tax-efficient as possible?
We help you build a structured investment plan around your goals, reviewed regularly as your life changes.
Your capital is at risk. The value of your investment (and any income from them)
can go down as well as up and you may not get back the full amount you invested.
Protecting your wealth
Could your family maintain the same standard of living if you were unable to work? Is your current cover actually enough, or just what you set up years ago and never reviewed?
These are the questions most people avoid. We ask them every time.
Life Assurance plans typically have no cash in value at any time and cover will
cease at the end of term. If premiums stop, then cover will lapse.
Passing your wealth to your family
You’ve spent a lifetime building your wealth. Without proper planning, a significant chunk of it could go to HMRC rather than to the people you love.
We help you understand your inheritance tax position and put a plan in place while you still have time to act.
The Financial Conduct Authority does not regulate estate planning.
How we work with you
Here's exactly what working with us looks like.
Discovery
We meet to understand your situation, your current financial position, your goals, and your attitude to risk. We explain our services and how we charge. This stage is always at our expense.
Strategy
Once we have everything we need, we build your bespoke financial strategy report. This includes a lifetime cash flow model of your estate, a clear picture of your financial future, year by year.
Recommendations
We arrange a meeting to present our recommendations in detail. We treat every client as we would our own family, explaining everything in plain English.
Track
Once recommendations are in place, we set you up on your Personal Financial Folder (PFF) and/or Personal Financial Portal (PFP) so you can see your financial picture at any time.
Review
We meet regularly to review your plan, check you’re on track, and make adjustments as your life or circumstances change.
In their own words
Hear directly from our clients about how tailored financial planning changed their outlook on life.
Contact us
Get in touch
Whether you have a specific goal in mind or just want to understand your options, we're happy to have a conversation. Get in touch and we'll arrange a free, no-obligation Discovery meeting at a time that suits you.
Reach out to us:
Address
Unit 5a Marsh Ml Vlg,Fleetwood Rd N,
Thornton-Cleveleys, FY5 4JZPhone
01253 532390