I have never had any doubt about referring him to any of our clients. He is professional, diligent, caring and dependable.

Gavin Lloyd and Vicky Bird

What we offer you

Financial Planning

Our financial planning service offers our clients objective assistance in organising their personal or corporate financial affairs to help them more readily achieve their financial and lifestyle goals.

We cover all areas of financial planning including pensions, protection, investments and mortgages. We also specialise in Inheritance Tax Planning and arranging Company Group Pension Schemes.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Inheritance Tax Planning is not regulated by the FCA.


Pension Fund performance can be variable and a poorly performing fund could prove costly. Why wait until you retire to find out whether your fund has been lagging behind? There may be an advantage in switching to another provider, but this is a specialist area and sound expert advice is needed before taking action.

We have a wealth of experience advising clients about their pensions and providing guidance on whether switching could be beneficial. We can assess the charges and suitability of your existing plan to find out whether a change could improve your pension prospects. Don’t leave it too late!

Workplace Pensions

Since October 1st 2012, there are new duties on employers to help more people save for their retirement. All employers will need to act to comply with the law. You must automatically enrol certain members of your workforce into a pension scheme and as an employer you will need to make a contribution towards it. The law came into force for large employers from 2012. Referred to as a ‘staging date’, each employer will be given a date from which the changes will have to be in place. Your staging date will be broadly based on the number of people you have in your PAYE scheme.
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If you care about how you and your family would manage for money if something happened to you, we’d call you a realist not a pessimist. Take a moment to ‘think the unthinkable’, you wouldn’t want you or your family to be left with money worries would you? Protection policies pay out in the event of death or certain illnesses. That payout could help to ensure that family living standards are relatively unaffected. We’ll be pleased to advise you on suitable cover to ensure adequate protection from the financial effects of serious illness or untimely death.


Uncertainty in the financial markets has led to a surge in savers who are looking for a less volatile home for their money. With savings rates at an all time low, achieving growth with the cash element of a portfolio presents challenges of its own, but as a way of riding out this uncertainty, it remains the most popular means of mitigating risk. We will be able to source options on how you can make your cash work harder for you, whilst still remaining in a secure environment.


Staying on your lender’s standard variable rate or tracker mortgage may seem to be a good idea while interest rates are low, but if they start to climb will you still be able to comfortably afford your repayments? You may prefer the security of knowing what your repayments will be. With so many variables, every household will need a different solution. Whether you are buying your first house, moving home or your rate has expired we will assess your position, explain the options & help you to decide on your best course of action.

Areas of specialisation

Our commitment to professional planning, driven by client needs has helped us to maintain and develop close and solid relationships with many other firms of professionals such as solicitors, accountants and stockbrokers.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.