FAQs
Can you help me take my pension tax-efficiently?
Yes, we can advise on taking benefits from your pension in a tax-efficient way. Tax treatment depends on your circumstances and can change, and we also consider how pension choices may affect your estate, including Inheritance Tax planning.
Can you help me invest an inheritance I’ve received?
Yes, we can help you invest an inheritance and consider the tax position within your wider estate planning. Tax rules depend on individual circumstances, and investments can go down as well as up.
Can you advise on self-invested personal pensions (SIPPs)?
Yes, we advise on self-invested personal pensions (SIPPs). We can advise on whether a SIPP could be suitable for your circumstances, and investments can go down as well as up.
Can you advise on final salary or defined benefit transfers?
Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.
Do you offer advice on long-term care or later-life planning?
Yes, we can help you plan for potential later-life care costs as part of your financial plan.
Can you help with Inheritance Tax planning or estate planning?
Yes, we can help you understand your potential Inheritance Tax position and discuss planning options. Tax depends on individual circumstances and rules can change.
Can you advise on investments such as ISAs (individual savings accounts)?
Yes, we advise on ISAs and general investment accounts as part of your overall plan. Investments can go down as well as up.
Can you advise on protection such as life insurance, critical illness cover, and income replacement?
Yes, we can advise on protection and will help you understand what each policy covers and how it fits with your wider financial plan.
Do you offer a no obligation consultation?
Yes, we offer a 15-minute initial consultation, which you can book via our Contact page.
How do you charge for financial advice?
We charge a lump sum for the initial advice stage either by a percentage of your amount invested or at an hourly rate. For our ongoing service, we charge an annual fee based on the total amount invested. We charge a fixed fee for arranging a mortgage for you.
What do you typically charge for a financial plan?
The cost of a financial plan depends on the work involved and the amount you have to invest. Your adviser will explain the stages, the expected charges, and when they become payable before starting any work.
Do you charge fixed fees or a percentage of my investments?
We charge a percentage of your amount invested or at an hourly rate.