Corporate Services


Whether you wish to invest a lump sum or save a regular amount to build up a sum of money, our independent advisers can help you understand the options available to you and can recommend the most appropriate solution for your needs and objectives.

Before making any recommendations, your investment risk tolerance will be discussed and assessed and then tested using modern psychometric techniques. When considering the level of risk to take it is important to focus on the potential of negative returns as well as the potential for positive returns. Objectives and timescales to achieve them are also important considerations – for example, more risk may be taken for a longer-term objective such as retirement planning, whereas less risk or no risk may be more desirable for short-term objectives such as saving for a new car or holiday.

The second step is to ensure that you have enough liquid funds available as an emergency fund. These funds are usually held in an instant access deposit account or Cash ISA.

Once the amount remaining available for savings or investment has been established, our advisers will guide you through your options taking into account your tax position and access requirements in conjunction with your risk tolerance and objectives and recommend a suitable solution for you.

Regular reviews to keep you on course

We use a range of investment solutions from single funds to managed portfolios and both passive and active investments. Our aim is to provide solutions that behave as expected over a period of time and to avoid any unpleasant surprises. It is recommended that savings and investments are reviewed on a regular basis.

The value of savings and investments and the income from them can go down as well as up and you may get back less than you have put in. Past performance is not a guarantee to future performance.



We recognise that, where appropriate, professions such accountants, solicitors, HR consultants and independent financial advisers need to work together more and more to provide the best possible outcome for their clients and to maximise all possible revenue streams for their businesses.

We have a variety of straightforward solutions already working between ourselves and other professionals to enable them to offer financial services solutions to their clients and substantially increase their income for relatively little work.
If you wish to know more about this please contact one of the Directors who will be happy to discuss it further with you.


People put off making a Will for a variety of reasons but the reality is that putting it off until it is too late can cause lots of problems for those left behind. Without a Will:

  • You cannot be sure that those you would wish to benefit will actually do so
  • Your spouse or partner may not automatically inherit all of your estate
  • ‘Common Law’ partners will not receive anything
  • Children will be taken into the state care system until Guardians are appointed
  • There could be lengthy delays and disputes for your beneficiaries to deal with

Protecting your wealth and your family’s future

The simple fact is that everyone needs to have a Will and we will be happy to arrange this for you.

Our advisers may recommend the use of Trusts as part of a financial planning exercise to protect your assets in the future from taxation, care fees and bloodline issues such as divorce. Trusts can be set up during lifetime or on death as part of a Will and may be used in conjunction with other financial products or investments to achieve an objective.

Just as important as making a Will is the setting up of a Lasting Power of Attorney. There are two types of Lasting Power of Attorney: ‘Health & Welfare’ and ‘Property and Finance’ that enable you to appoint one or more people to act on your behalf should you lose mental capacity. Not having these in place will leave your family having to apply to the Court of Protection to deal with your affairs, which can be costly and take several months to sort out.

Our advisers can provide help and advice on many other legal matters including General Powers of Attorney, Advanced Directives, Pre-Nuptial Agreements, Business Succession and Probate; and are all accredited by the Institute of Professional Willwriters.



Retirement planning has two distinct stages: the accumulation phase, during which you build up and grow your assets during your working life and the decumulation phase, when you use those assets to provide capital and income in retirement, whether that be full or semi retirement.

A personal plan for a perfect retirement

There are many different ways of funding retirement, from traditional private and workplace pension plans to building up an investment property portfolio. Whether or not you use one or all of the strategies available to you, professional planning is essential to ensure you have a sufficient level of income after taxes to provide for your essential and non-essential expenses.

During your working life, our advisers will help you plan and build up funds to provide for you when you retire. They will discuss with you the amount of income you require and the various ways of providing it and then recommend an appropriate solution for you, which should be reviewed on a regular basis to ensure it remains on target.

Peace of mind income for your entire retirement

When you decide to stop work or reduce your working hours and want to draw benefits from your plans, our advisers will help you consider all of your options to structure your assets in the most appropriate and tax efficient way to provide the income you require. We generally recommend that you structure your assets to provide a secure and increasing level of income sufficient to cover your day-to-day living costs, with the remainder of your assets being used to cover non-essential flexible expenditure with any remainder passing to your beneficiaries.

It is not uncommon for a person stopping work now to expect to live for another thirty years. It is important, therefore, that careful planning and advice are received and regular reviews take place to ensure that a person’s assets will provide for them over a long period of time.

The value of savings and investments and the income from them can go down as well as up and you may get back less than you have put in. Past performance is not a guarantee to future performance.


Most parents want their children to receive the best possible education. For some, this means the state school system until the age of 18 followed by higher education at university and for others, this means privately funded primary and secondary education followed by university.

Preparing for the future you want your children to have

Whichever route your child is likely to take, at some point there will be costs to pay. Currently, the majority of parents pay school fees directly from their income and, whether affordable or not, it is generally the least effective way of settling the bill. Compounding this, although paying for one child’s education can be within a family budget, difficulty often arises when there are two or more children. Overlapping years can place stress on household budgets and increase stress and worry and could result in having to take children out of their schools or universities. Effective planning to forecast and manage these costs can avoid serious problems.

Planning ahead is essential and effective at any point in time but the earlier you start the better. Spreading the cost over a longer period of time, together with careful tax planning, can make the costs of education more affordable and also increase your wealth in the longer term. It is common for both parents and grandparents to want to help with the funding of a child’s education.

Our advisers will meet with you and discuss your requirements and the education path you would like your child or children to follow. An assessment of your current financial situation will be carried out, along with an assessment of the likely cost of the education, then your adviser will develop a strategy with you to provide the funding needed at the time it is required. Your adviser will carry out regular reviews with you at least once a year to ensure that the strategy is on track.

The value of savings and investments and the income from them can go down as well as up and you may get back less than you have put in. Past performance is not a guarantee to future performance.



The most well known taxes in the UK are income tax, capital gains tax, inheritance tax and VAT but of course there are many more that we pay during our lives whether we realise it or not.

Professional tax planning to reduce liabilities

Planning to avoid paying tax is not illegal or immoral and in fact has been actively encouraged by successive Governments’ which allow products with tax incentives to encourage saving, pension contributions and funding into smaller growing UK businesses. Tax evasion is illegal.

There are many ways to save or reduce tax liabilities which can involve effective structured planning or the purchase of insurance, investment and pension plans. Our advisers are able to assess your current financial situation and plans for the future and offer advice on how to become as tax efficient as possible, both now and in the future.

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