Some insurance products can be fairly straight forward
but in order to get the best value for money it is
important to source the right level of cover for your
individual circumstances.


We are here to help you navigate this complex world. We help you quantify the likely costs associated with potential catastrophies that your family or business might face. We will take great care in our discussions around the potential implications of death, long-term illness and injuries on your finances and how we can best protect your standard of living.

There is a vast array of insurance and assurance products available: some will provide increasing cover, others decreasing; different policies pay out for different things, at different times and to different people; some pay outs will get tied up in probate and could be liable to inheritance tax, others will pay out immediately to pre-determined beneficiaries with no tax implications; some premiums go up every year and others stay the same. We are here to help; we do the leg-work and create a solution that offers value for money and is designed to meet your individual circumstances. We will make sure that you understand what cover is being provided, how and when benefits will be paid, and what the premiums will be and whether or not they will change.

Elderly couple smiling and eating from a buffet table outside


It is the point at which, if you are still working, it’s because you choose to work and not because you have to. This financial freedom will look different to different people and how you use a pension fund to save for this time in your life will be unique to you.

Pension funds cannot usually be accessed until at least the age of 55 and this minimum age may be higher for anyone born from 6 April 1971 onwards. The tax advantages of saving into a pension scheme however, often out-weighing the inconvenience of this restricted access.

For anyone that wants to achieve financial freedom before they reach their late 50s, then there are other tax efficient investment products that can be used.

Get in Touch

Baby Boomers


Whether you are in the last decade of your working career, making final preparations for retirement or already drawing a pension, we can add some professional expertise to your financial decisions.

Part of the challenge is knowing how much income you need and understanding how quickly capital will run out. We have been helping people like you navigate this stage of life for decades; we have experience of many of the challenges that you will be facing and we can talk you through the things that are important to take into consideration.

Our aim is to help you invest what you have in the right way, withdraw what you need at the right rate, and calculate what you have left to spend, guilt free. If it is important to you that you leave a legacy, we will help you structure your investments in the right way to ensure that they can be passed on in the most tax efficient way.

Elderly lady sat with granchild on her lap reading a book

Generation X

40'S AND 50'S

Life can be full of surprises and milestones: your children might be moving into higher education or trying to get on the housing ladder and become financially independent; your own career may be well established and your disposable income rising.

This is the time to ensure that your pensions and savings are on track and you should start to think carefully about the lifestyle that you want in retirement. We have helped countless clients who are in this stage of life and we can help you too.

It doesn’t take long to feel overwhelmed by questions like: When can we afford to retire? What happens if I’m forced to finish work earlier than expected? Should we be getting tax rebates on our pension contributions now? How big does our pension need to be to provide us with enough income? How should it be invested? What is the “personal allowance trap” and how do I avoid it?

Of course, the questions aren’t the same for everyone, but we know what is appropriate in each set of circumstances and we will take the time to understand your situation so that we can guide you. Adding this professional expertise to your financial decisions at this stage of life can transform your future and give you the peace of mind that you have a coordinated plan in place.

Man stood outside with a moped

Generation Y


We find that working with clients in their 30s and 40s the most exciting and rewarding. This is the time of life when small adjustments to your pensions and savings can lead to substantial benefits later in life. We want to join you on your journey and be there when you are enjoying the fruits of your labours. With our professional expertise guiding your financial decisions, this time may arrive sooner than you thought possible.

We understand that this is also the time of life when your outgoings will be high and the scope for additional savings, investments and insurance may be low. We will help you find the best value products for your individual situation, prioritise your financial objective and put the different elements of your financial plan together in the right order.

Taking advantage of our premium service will mean that we continue to take an active role in your financial planning as you move in to the higher and additional rate income tax brackets. We will be there to ensure that you understand the tax benefits and impairments of your different investment “wrappers” and that your contributions are made in the most tax efficient way.

We help you articulate and quantify your financial objectives so that we can build a solution that organises all your financial products into a coordinated plan as soon as possible.

Man listening to music on a park bench

Generation Z


If you are in your 20s and you are reading this then you are amongst a small percentage of people that have the foresight to engage with your financial plan, early enough in life, to have the biggest possible impact on your future financial security. This decision will change your life.

This is not a boring subject, but we should warn you, financial advisers tend to be old. In fact, in 2020 our Google search revealed that the average age of a financial adviser in the UK is 58! The benefit of this is the decades of experience that we have in helping clients from every generation. Indeed, some of the clients that we are providing pension drawdown advice to today, started using our services in their early 30s.

In truth, we are an engaging team and we know that by adding our professional expertise to your financial decisions today, we can help to transform your future wealth prospects. Now is the time to acquire certain investment and protection products that will never be as cheap for you again. We will tailor ISAs, mortgages, protection, pensions and investments to meet your individual circumstances. We will help you prioritise and quantify financial objectives, set time scales, and match them to investment strategies.

We know that there isn’t always much money left over at the end of the month, but at your stage of life, the compounding of returns could turn a modest contribution into a significant asset.

Don’t waste another minute. Call us

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen


We know which providers are more accommodating to the self-employed; which ones make it easier to extend your repayments into retirement; which ones take pension contributions off your income and which ones include them. Having this knowledge will prevent you from wasting time seeking agreements in principle from lenders that are less likely to favour your situation.

It can be soul destroying and potentially disastrous to your property purchase if underwriting issues crop up, or a problem emerges with the selected mortgage weeks or even months into the process.

Our mortgage and protection specialist, James Whittingham, is here to help you navigate this complex area.

He will guide you through the 5-stage process outlined below and make sure that everything runs as smoothly as it can.

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

Mother and child laid laughing on a sofa


To us, “savings” mean money that you are putting to one side to use at a later date when the need may be greater. You may have a specific objective and timeframe in which case we can advise you on how much you’ll need to save based on different investment strategies.

This isn’t just for the rich; you may only have a couple of hundred pounds a month to save, or perhaps a couple of thousand. Either way, adding our professional expertise could be transformational to your savings.

Get in touch

Baby Boomers


You have reached the point at which your pension scheme might provide you with a tax free lump sum; your mortgage is entering its final years of repayments or may have disappeared from your monthly expenses entirely; legacies might be passed down from the generation above and you are probably become mindful of the impact that spending decisions will have on the longevity of your financial resources.

Depending on your current sources of income, the tax haven of an ISA may or may not be appropriate.

More than ever, guidance from a professional financial adviser, like Ken or James, becomes invaluable. We can help you map out the likely financial demands over the next decades. We can ensure that money is available when you will need it and that it is invested appropriately whilst you don’t. And, most importantly, we can plan so that you don’t run out.

You may also be anxious about inheritance tax and whether your family will be burdened with a liability to HMRC. You may be wondering what you can give away now without risking a retrospective tax bill on your estate. Whether you want to allocate monies for your family now, or just pass on what is left in the most tax efficient way, we can structure your savings and investments in the right way, using an ISA if appropriate. Although this can be complicated, it isn’t an expensive service and the benefits can be substantial.

Elderly couple looking out across the water

Man smiling wearing safety equipment

Generation X

40'S AND 50'S

As milestone birthdays approach, the next generation are getting married and grandchildren are arriving, it’s a time of big expenses. As long as you get a five-year head start and you have at least a couple of hundred pounds a month to spare, then there is a lot that can be achieved. We will show you the potential of a structured savings or investment plan that harnesses the power of “pound cost averaging” and “compound interest”.

As your income peaks, we will make sure that where possible, you make full use of your ISA allowance to that your savings are protected from any reduction in your “personal savings allowance”.

We will make sure that you use the right financial products to suit you and that they are set up to provide access to the money when you need it.

We will also advise on the best investment strategy to match your feelings about risk and your growth objectives.

Generation Y


Protecting your family from financial catastrophes is the first priority, followed by saving for retirement. Once we’ve helped you ensure that these primacies are covered, we can then help ensure that your savings, however modest, are structured in the best way.

If you haven’t yet purchased your first home, we will advise you on how to access any government saving incentives that may be available to you through the use of an appropriate ISA. We will also help you understand how tax on different methods of saving can be affected by your level of income so that we choose the right financial product.

We will help you maximise your savings based on how soon you want to access the money, how you feel about investment risk, and how much you want the money to grow by.

Generation Z


Cars, houses, weddings, babies: there are so many demands on your finances though your twenties and being able to use savings is a far better option than racking up expensive debt. The amounts may seem overwhelming but there is a lot that can be achieved with as little as £40/week.

Setting up “pots” is pretty straight forward; you may already have this option through your banking app. But if you are relying on the interest rate from your current account, savings account or cash ISA then you are missing out on the potential of achieving higher returns.

Some of your saving objectives may require you to take investment risk. We will spend as much time as you need explaining the types or risk and how the amount of risk taken affects the potential returns on your savings. Once you are comfortable with these concepts, we will profile your “attitude to risk” and work with you to find the most appropriate investment strategy for you.

Often, it is better to hold these investments within an ISA “wrapper” and we will explain the tax benefits of this if they are applicable to you.
If you have a pension set up with us then we are often able to provide visibility of your investment ISA through the same on line portal.

Man kissing his dog on the nose outside in the park