Services

Helping you stay disciplined through market fluctuations, without reacting to news headlines or investment hype
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When forming an investment strategy, there are a number of things to consider, like personal preferences, ethical requirements, whether your aim is growth or income (or both), as well as managing tax and risk vs reward.


As independent financial planners, we can help make sure your investments are structured in the most efficient way, and in line with your personal objectives and attitude to risk.

The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested. Past performance is used as a guide only; it is no guarantee of future performance. The taxation of the investment is dependent on the individual circumstance of each investor and may be subject to change in the future.

Making a plan and staying on track.



Planning for a long and enjoyable retirement takes years of dedication. Whether you’re starting out, reviewing existing arrangements or already considering retirement, we can help create a plan for you, ensuring the right balance between security and flexibility, based on your unique needs.

With a deep understanding of both personal and occupational pensions, we can help make sure you get the most from existing and future savings, taking advantage of the tax reliefs available.

The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested. Past performance is used as a guide only; it is no guarantee of future performance. Levels and bases of, and reliefs from, taxation are subject to change, and their value will depend upon personal circumstances. Taxation and pension legislation may change in the future.

Unexpected events can de-rail even the best plans. Having the right protection in place as part of a holistic financial plan can help increase the chances of success. 



Serious illness, injury or even death can occur at any time, and inevitably causes financial as well as emotional strain. It’s not something we like to think too much about, but has the potential to de-rail even the best laid financial plans.


Unfortunately, the statistics show that most people will be affected by a serious illness or a death in the family at some point in their lives. If this happens, having the right type and the right level of financial protection in place can help avoid financial ruin and ensure family goals remain on track.



We provide tailored advice in all types of personal financial protection, including:

Life insurance – financial protection for your loved ones in the event of your death 



Mortgage and loan protection – ensuring your debts can be repaid in the event of your death or serious illness.

Critical illness cover - protecting you from the financial implications of a serious illness.

Income protection – helping towards the loss of earnings due to accident or illness.

Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Protecting your wealth for future generations

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Recent years have seen inheritance tax thresholds frozen while investment and property values may have increased in value, potentially increasing the eventual inheritance tax bill.

More recently, announcements that unspent pensions will form part of the taxable estate on death from April 2027, and the introduction of upper limits on Business and Agricultural Property Reliefs from April 2026 have further increased complexity.

At the same time, younger generations are facing challenges in both getting on the housing ladder, and building reasonable levels of savings and retirement provision.

We help our clients understand their options for helping younger generations, and for mitigating inheritance tax. For some, this may include gifting during lifetime, either outright or using trusts, while for others a different approach may work, such as dedicated insurance products.

When considering estate planning options, it’s vital to understand not only current but also future needs and possible expenditure, including the possibility that residential or nursing care may need to be fully or partly funded. Our solutions are tailored to ensure they are suitable for your goals, both now and in the future.

The Financial Conduct Authority (FCA) does not regulate Inheritance Tax Planning or Trust Advice.

Buying a property is often the biggest financial commitment we will make – it’s vital to make sure you have the right mortgage for your circumstances.



We offer residential mortgages and buy to let mortgages for our clients. As independent mortgage brokers, we have access to a large range of lenders, including well-known banks and building societies and more specialist lenders.

If you are looking to buy a property, talking to a mortgage broker before arranging viewings is a sensible starting point. We can help you understand what you can afford and help make sure you get the mortgage that’s right for you.

Alongside the mortgage, it’s important to consider how you would cope if you needed to make payments during a period of illness, or making sure your family is protected if you die during the mortgage term. We can help ensure the right type and level of protection is in place.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home.

Besides being a legal requirement, a quality workplace pension is key to rewarding and retaining your employees.

As an employer, you need to offer a workplace pension that meets certain minimum standards and levels of contributions. Failure to meet these minimum requirements can lead to fines from The Pensions Regulator – our support can ensure you comply with the requirements and provide your employees with a quality and competitive scheme.

Group risk is often a key part of a good employee benefits strategy, keeping your employees and their families protected if they are affected by illness or if they die.

The most common products offered to employees on a group basis are life insurance, income protection, critical illness cover and private medical insurance.

Our advice considers the right level of protection to put in place, based on business objectives, size, industry and budget.

Benefits of insurance products will be put at risk or cease altogether if premium payments are not maintained.

Financial concerns can be a worry for employees, resulting in stress, absenteeism and performance or retention issues.

Education and advice provided to your employees can give your people a greater understanding of money and investments, and the benefits package they have as part of their employment, improving their overall financial wellbeing.

Having the right protection in place for your business can help protect against financial loss due to unexpected events such as the death or illness of a key employee or fellow owner. It can ensure business continuity, financial stability and peace of mind.

Types of business protection include:

Key person protection - safeguarding your business from the loss or illness of key employees.

The impact on business if an essential employee dies or is diagnosed with a serious illness can be immense. Key person insurance and provide a lump sum to provide financial support to the business to help cover these costs.

Shareholder protection - providing a succession plan for your business.

Shareholder protection provides shareholders with the necessary funds to purchase shares if a fellow business owner were to die, or be affected by a serious illness.

Benefits of insurance products will be put at risk or cease altogether if premium payments are not maintained.