Introduction to Our Financial Review and Consolidation Services

Over an average lifetime:

• The average person will move home 8 times.
• Will have 11 different jobs.
• Will have 2 long term partners.
• Will have 1.9 children.

This makes for many financial decisions over time and possibly membership of up to 11 different pension schemes. 

• Your finances can get complicated or even get ‘lost’ if you do not keep ‘on top of them’. 
• The wording and terms used in financial documentation can be complex.
• You may not understand your options.
• Is the performance of your investments poor, average or good?
• Has the law changed, has your policy changed to adapt any new laws or flexibility?
• Has the economy changed?  Has taxation changed? 
• Are there cheaper or more flexible options available to you?
• Should you change, transfer or consolidate existing schemes?
• Are you pensions and investments still suitable for your needs?

Our Initial Review and Consultation Services

A review of existing insurance, pensions, and investments schemes: charges, funds, performance, suitability and stop any hidden % commissions to help you decide whether to keep, tweak, cancel, replace, continue, or consolidate.  We review and find out 'the good, the bad and the ugly' inside your policies/plans/pensions and explain it all to you in plain English both verbally and in a full written report (where applicable).

These services have developed over the years to meet to changing needs and demands of clients and of course, the economy, taxation and geopolitical climate that we live in.

Initially we started our initial review services over 20 years ago, offering at two levels:

• Initial Review - a 'one-off' review of current/existing insurance, pensions and investment plans: Finding the good, the bad and the ugly in your pensions, investments and insurance plans
• Blueprint Review - an initial and complete holistic financial planning review of existing insurance, pensions, investments, tax, income, assets and status, a complete financial life plan for both now and the future.

See:  Review Pensions and Investments  Wealth Blueprint

These services have now been developed and expanded:

Development of the Pre-Retirement Review Service offering 'one-off' pre-retirement review of current/existing policies/investments/plans/pensions: Finding the good, the bad and the ugly in your pensions and investments portfolio and formulating a structured plan for your retirement including projecting pension income, other income, expenses forecasts and cash flow modelling into retirement to normal life expectancy and beyond.

See Pre Retirement Review

In Retirement, Investment, Inheritance Tax, Later Life and Care Planning Strategy Review given unused pension fund values are included in the estate for Inheritance Tax calculations with effect from April 2027 as part of an amendment to the Inheritance Tax Act (1984) in addition to inheritances tax allowances being frozen since 2009 and now frozen until 2030/31 as well as every increasing pressures on finances for later life care.

See Later Life & Inheritance Tax Review

Low Cost Ask An Expert Service:  A Review of Paperwork with Verbal Guidance, Options and Explanations Only (No Advice) offering a 'one-off' 'read through' by our Chartered Financial Planner experts of Pensions, Investments, Insurance, Tax, Trusts or Wills documentation supplied by you to enable us to provide a verbal summary overview and guidance only for current/existing tax, trust, estate, insurance, pensions, and investment arrangements.

See Expert Paperwork 'Read Through'

Our fees are made up of two parts to make up the total fee:

• Part 1 - A 'core' fixed fee element and
• Part 2 - A charge per policy/plan reviewed. 
• These are 'one off' fees with no ongoing % adviser fees paid to us and we will STOP any hidden commissions or % adviser fees being paid to previous advisers.  
• Up to 25% discounts apply when selecting Non-Face to Face/Remote services and/or Paid Upfront.

Contact  Call Back  Calculators  Our Fees