Solutions

Helping you make the right decision.

We support you in the various areas of financial planning from family protection to property finance and mortgages throughout the retirement planning and investments.

Services

Advice

Family protection is a comprehensive financial strategy designed to provide a safety net for your loved ones in the event of unexpected hardships, such as illness, disability, or your untimely passing. It's a proactive approach to ensure that your family members are financially secure, even when faced with life's most challenging circumstances. Here are the key components and benefits of family protection: life insurance, critical illness cover, income protection, debt protection, health insurance and accident protection.

Mortgage advice is a specialised financial service that assists individuals and families in making informed decisions when it comes to obtaining a mortgage loan for purchasing a home or refinancing an existing one. This guidance is crucial because a mortgage is typically one of the most significant financial commitments people undertake in their lives. Here's a closer look at what mortgage advice entails: personalised assessment, exploring mortgage products, affordability analysis, interest rate insights, streamlining the application process, holistic homeownership planning and ongoing partnership.

Commercial property finance advice is a specialised financial service aimed at assisting businesses, investors, and property owners in making informed decisions regarding commercial real estate investments.

Planning

Personal finance advice is a tailored and expert guidance service aimed at helping individuals and households make informed financial decisions, manage their money effectively, and achieve their financial goals. It covers a wide spectrum of financial aspects, empowering individuals to take control of their financial lives.

Retirement planning advice is a specialised financial service that helps individuals and families prepare for a secure and fulfilling retirement. It's a comprehensive and personalised approach to ensure that you can enjoy your post-working years without financial stress. Here's a closer look at what retirement planning advice encompasses: personalised assessment, financial goal setting, savings strategies, income planning and tax-efficient strategies, estate and legacy planning.

Investment planning for retail clients is a financial service provided by professionals to help individual investors make informed decisions about how to invest their money in various financial instruments. The goal is to help clients grow their wealth, achieve their financial goals, and manage risk effectively. Here's a closer look at what investment advice for retail clients entails: financial and risk assessment, goal setting and asset allocation, investment selection and diversification, behavioural coaching and education, cost management and tax-efficient planning.

Execution & Monitoring

The process of plan implementation and monitoring by a financial adviser is a critical phase in the overall financial planning journey. It involves putting the financial plan into action and continuously tracking its progress to ensure that the client's goals are met and that adjustments are made as needed. Here's a step-by-step overview of this process:

Review and Finalise the Financial Plan

Establish Clear Action Steps

Product and Solution Selection

Implementation of Recommendations

Asset Allocation and Diversification

Tax-Efficient Strategies

Insurance Coverage

Estate Planning and Legal Documents

Regular Monitoring

Adjustments and Rebalancing

Periodic Plan Reviews

Documentation and Reporting

The process of plan implementation and monitoring is dynamic and responsive to changes in the client's financial situation and goals. It ensures that the financial plan remains relevant and effective over time, helping the client achieve their financial objectives and navigate the complexities of their financial journey with confidence.

Client Stories

Client Success Stories: Real People, Real Financial Triumphs - Explore Their Journeys to Financial Success

Meet Anna, a vibrant and optimistic individual who, like many of us, never expected life to take an unexpected turn. A routine medical check-up led to a diagnosis that no one ever wants to hear - cancer. The news shook Anna's world, bringing uncertainty and fear into her life.

Client: Ariadna

However, she was not alone in this challenging journey because she had something that would prove to be invaluable: a critical illness plan and the assistance of one of our advisers who led her through the process of financial compensation assisting her during the product's lifetime.

Year: 2019

With the support of her insurance, Anna received £20,000 lump sum which helped her to maintain her lifestyle and support the treatment during the period of recovery. She was able to focus on her health and recovery rather than worrying about the financial aspects of her life.

Area: Insurance

Meet Anna, a savvy investor with a passion for real estate. She had her eye on a unique opportunity - a HMO property that promised high rental yields. However, this property came with its own set of challenges related to the property condition, renovation costs and short timeframe that seemed insurmountable.

Client: Anna

Recognising the complexities of this unique situation, Anna decided to enlist the expertise of a mortgage broker who specialised in bridging finance. The broker played a pivotal role in securing the suitable finance solution securing the purchase and expanding the existing property portfolio.

Year: 2023

With the guidance of her broker, Anna secured a bridging loan quickly, allowing her to meet the tight property purchase deadline and providing not only the purchase price but also the renovation costs. Anna's journey demonstrates the power of expert guidance in the world of real estate investment.

Area: Bridging Finance

Meet Waldemar, a determined first-time buyer who refused to let her adverse credit history stand in the way of his homeownership dream. With the unwavering support of a skilled mortgage broker, Waldemar's journey is a shining example of perseverance and the power of expert guidance.

Client: Waldemar

Adverse credit events from her past, including missed payments, CCJs and a low credit score, made him a less-than-ideal candidate for traditional mortgage lenders. He was so resigned because a few other brokers failed to secure a mortgage for his dream home, but determined to step onto property ladder, he decided to seek professional guidance once again.

Year: 2022

Following the assessment of his credit history and developing a tailored plan to improve his credit score over time, our broker secured the finance with the lender specialising in adverse credit cases and advised how to improve the score to refinance to a better rate after a fixed deal. Waldemar bought a dream home and obtained the plan to improve his finances.