What i do
Investments and Savings
There are a vast array of savings and investments plans out there, but the basic principles of investing do not need to be complicated and my job is to find the products suitable for you. From cash ISAs to long-term investments, after a full assessment I can help you find the most rewarding places for your money.
Pensions are an extremely tax efficient way to save for your retirement. It may be that pension planning hasn’t yet been on your radar, or you may have already built up a fund, but haven’t reviewed the way it is invested for some time – either way I can guide you through the right options for you.
Once you are ready to start drawing from your pensions, the choices can be overwhelming. You may have heard of ‘Pensions Freedom’ which now gives you greater control over how you use your hard-earned funds, but in practice this can be complicated especially with regards to tax, so financial advice can be invaluable at this stage in your life.
Insurance and Protection
Life has a habit of getting in the way of best laid plans, so any financial plan needs to start with protecting the biggest asset you will ever have – you. The cost of providing cover against the worst that life can throw at us is relatively inexpensive and I can advise on a range of policies to suit your specific circumstances.
You may be aware that your estate is likely to suffer a tax bill on your death, but perhaps not considered your options to reduce this and increase the legacy you can leave to your loved ones. Timely financial planning can make a world of difference to those you leave behind.
Equity Release is a method of releasing some of the value build up in your property – without having to downsize. This can be very attractive if you are ‘asset rich, cash poor’ but it is a big decision and not all providers will offer you their products if you do not have a Financial Adviser.
With 15 years experience as a financial adviser, I'm available to discuss financial planning over the Kent and Sussex area. In 2012 I was awarded the Chartered Financial Planner accreditation, which is a recognised ‘gold standard’ within the industry. Read more about me..