We provide in-depth, independent financial advice to individuals and businesses in Hampshire and throughout the UK.
How we help
Planning for retirement
Retirement should be an exciting prospect; a point in life whereby you can generate your own income to make the most of time not working. Using cashflow planning software, we can help you understand what you need to achieve the retirement you want; and provide actions to help you achieve this quicker, more efficiently or simply provide comfort that you are on track.
Managing investments
Investing your capital requires you to be comfortable with taking an element of risk. It is critical to ensure that the risk you take is in line with your wider financial situation. It’s also important to ensure your portfolio is diversified and takes into account any environmental and ethical considerations you have. We can tailor a portfolio, monitor performance and suggest amendments along the way.
Ensuring financial stability
Ensuring you and your loved ones would be financial stable in the event of any shocks occurring is essential to our wellbeing, insuring certain risks can help with this.
We can help calculate the financial impact of various shocks, and provide a plan on how to mitigate these.
Buying a property
Buying a property will likely be the most expensive purchase of your life, ensuring you have the right mortgage in place and receiving advice throughout the process can make this a less stressful experience. Independent advice allows us to look across the whole market for the best option.
Mitigating Inheritance Tax
Leaving as much money as possible to your loved ones is close to all of us, unfortunately with increasing asset values more people are facing Inheritance Tax liabilities; however planning can help mitigate this through gifting, certain investments and the use of Trusts. We can calculate your current position and provide guidance on how best to structure your estate.
Maximising cash reserves
Everyone should hold cash in case of an unforeseen expense; however, it is important to ensure this cash is working for you by earning a decent rate of interest. Larger cash deposits may need careful planning to remain within the protected limits, as well as structuring savings over multiple tax years to make use of allowances. We can provide a bespoke cash management plan for your savings to work harder.
Family owned.
A family-owned structure enables us to make long term decisions which are in the best interests of clients, without being pressured by external forces – we also have embedded succession planning with two generations working together to ensure clients have a seamless service for decades to come.