I have been offering advice ‘that makes a difference’ (so my clients tell me) for almost two decades, firstly with Natwest, Business and Commercial Clients and more recently with HSBC Premier clients as an Independent Financial Adviser.
Everyone is different and therefore has differing financial planning needs. As such, I feel very strongly that holistic financial planning should always be carried out. This means that my advice will absolutely be tailored for your individual needs and objectives. It also means that even if no immediate action is taken in a specific area you will have a complete picture of all your financial needs.
My expertise covers a broad range of financial planning such as:
Protecting you and your family by putting plans in place to enable you and your dependents not suffer financially and can still meet your monthly commitments, in the unfortunate event of the death of a loved one, diagnosis of a critical illness, long term sickness or in the event of unemployment.
Investing for your future by reviewing your retirement planning so that you are putting plans in place to enable you to have the lifestyle you desire when you retire. The earlier you make a start, the easier it will be to have that desired lifestyle.
Mortgage Advice – Helping you pay the least amount of interest on your mortgage.
Investing in a tax efficient manner – this can be from a lump sum or on a regular basis to try to achieve a better return than cash deposits. This could be for a specific event or to build upon what you have already, achieved reviewing your existing plans to ensure they are on track.
As my business has grown I realise that much of that growth is as a result of introductions and referrals from my existing clients. Building relationships founded on trust matter most to me and I would hope that all my clients could come to rely on me in this way.
All financial matters are extremely personal and whether it is buying a new home, investing for the future or ensuring longer term security for an elderly relative, these issues are the driver for a conversation with me. I take every one of my clients outcomes as personally as they do - offering a high level of client care and service.
An investment with St. James's Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than you invested.
An investment placed into funds (equities) would not have the security of capital associated with a deposit account with a bank or building society.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.