Thought, planning and discipline


People ask us “When can I retire?” But the question really is “When do you want to retire?”. We start from there and work back, so we can create a financial plan that’s in line with what you really want from life.

Whether it’s to travel the world, write that novel, or spend more time with family, we'll make sure your money turns your goals into reality.

But we won’t leave it there. We'll meet regularly to support you with anything that gets in the way and to keep you on track. And if anything's changed - for example a windfall or unexpected expense - we'll adjust your plan to suit so it's always helping you to achieve your aims.


The process



We’ll start by finding out where you are now, and more importantly, where you want to be.


We’ll then look at your current finances, sort out the paperwork and track down the policies you’ve collected over the years.


Then we’ll combine the two so you can see what your ideal financial future looks like and what – if anything – needs to happen for you to achieve it.


Then we’ll research what products need to be implemented to achieve your financial goals.




As independent advisers we have access to all products across the market. We’ll work with you to find an investment strategy that suits you based on your investment goals, your attitude to risk and your capacity for loss.

We will always look to use the most tax-efficient vehicles available and make you fully aware of the potential risks as well as the rewards.

Please note: The value of investments can fall and rise. You may not get back what you invested. Tax treatment depends on the individual circumstances of each client and may be subject to change in future.




Approaching retirement can be an exciting but also a worrying time. How do you know when you can stop work, and if you'll be able to afford the lifestyle you want? We can put your mind at rest.

We'll take a look at your existing policies and investments, see what they’re worth, and build your investment portfolio around them, making sure you take full advantage of available tax incentives.

Tax Planning.png

Tax Planning


Tax planning is a vital part of managing your wealth. Reducing the amount of tax you have to pay and maximising the amount you can contribute to your savings and pension pots will make a huge difference to your financial plan as a whole. 

We're here to make sure you're making the most of the reliefs and allowances available across all your finances. Whether you're planning a nest egg, looking to retire or thinking about passing money onto the next generation.




Inheritance Tax is paid if your estate (property, money and possessions) is worth more than a certain amount when you die.

But there are many ways to reduce your Inheritance Tax liability and pass your assets onto family instead. Including the annual gift allowances, gifts out of income, placing funds in trust, whole of life assurance policies, gifts to charities on death - or just spending your money! 

We can help you decide what’s right for you based on your personal circumstances and situation. 

Medical and General Logo Development-49.png



Many of us are more likely to insure our pets than ourselves, but it’s not our pets who are earning the money!

Protection insurance can cover you if you were unable to work due to accident or ill health. There are many different types of protection to choose from including life assurance, critical illness, income protection, locum insurance and practice insurance. We can choose what’s right for you so you have the right cover at the right price.


Mortgages and Equity Release


Whether it's the beginning of your 'buy to let' portfolio, your first home, or re-mortgaging your main home, having access to the best rates across the market is essential. We’ll help guide you through the types of mortgages available and will manage the process for you.

We can also help if you're looking to release funds from your home to fund a specific purchase through lifetime mortgages.

Please note: As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments. A lifetime mortgage will be secured against your home.

The Financial Conduct Authority does not regulate some forms of 'buy to let' mortgages.

Contact us today

You can phone us on 01404 515544 or email us at