I am a fully qualified mortgage broker with the CEMAP qualification and I am also a fully qualified financial adviser with the DipFA qualification. I offer an up-to-date approach when advising on pensions, savings and investments and also tax planning.
We offer advice on pensions, savings and investments and tax planning in Grantham and all surrounding areas.
All areas are covered but can include: Gonerby Hill Foot, Belton, Barkston, Marston, Foston, Allington, Harlaxton, Great Ponton, Barrowby etc.
We offer advice on the following:
Pension and Retirement advice including
- Starting a new pension
- Taking your pension fund at retirement (flexible drawdown, capped drawdown, annuity, pension commencement lump sums and uncrystallised pension commencement lump sums)
Savings and investments advice including:
- Lump sum investments
- Regular saving investments
- Setting up an ISA or Junior ISA
- Advice on investment strategies
Tax planning including:
- Tax efficiency for savings and investments
- Making use of tax allowances and relief
- Saving tax when it comes to retirement
- Sophisticated high risk, tax-free investments
The Advice Process
The first step in the financial advice process is for us to have a brief initial chat over the phone. This is just a discussion to see who you are, what you are aiming to do and to get a general idea of where you are currently in achieving those aims. We discuss how the process works, what we will be doing and our charges.
I will then ask you to prepare for our first meeting in which I will conduct a fact find. For example, I may ask you to have your income and outgoings and details of existing plans prepared. The benefit of doing this is that it will save time and this will enable us to focus on what you’re looking to achieve
I will then conduct a fact find which will allow me to gather information about your current circumstances and your future plans to ensure that the advice is suitable and tailored to your current financial situation. We can then establish your financial objectives and needs.
I will then go off and research the market to find suitable recommendations for you based on the information I have gathered.
I will then present the recommendations that I have formulated based on your current financial situation, affordability, your risk profile and your financial objectives/needs that I have identified. This is where fees are confirmed and I can talk you through the illustrations and answer any questions you may have.
Once all paperwork has been completed, we can then implement the recommendations for you. We will submit the relevant applications and be in control of the whole process on your behalf. We will keep you apprised of any progress and any issues that may arise.
It is important that we have regular reviews (annually ideally) to ensure that recommendations still remain suitable for you, react to any changes in your circumstances and to check that you are still on track to achieving your long term objectives.
Financial advice reviews below for existing clients