Independent Financial Advice
Chris
“I’ve used Oliver as my IFA for a few years now and I have been impressed by how incredibly knowledgeable, responsive and hard working he is. I have experienced many other IFAs over the years, and Oliver is definitely the only one I’d recommend”
Colin
“Excellent attentive financial service, nothing was too much trouble. I wouldn’t hesitate to use again in the future”
Mark
Very professional. They help with my financial planning with excellent advice on how to achieve my goals. I thoroughly recommend them”
Chris
I have been impressed by how incredibly knowledgeable, responsive and hard working Oliver is.
Vouchedfor review
“We were really happy with the service and quality of the advice”
Our Typical Clients
We enjoy working with many people to achieve their financial goals. However, our expertise lies in the following areas:


Workplace Pensions Advice


How ready are you for retirement?
Latest blog posts
We enjoy sharing our knowledge and expertise. Our blog posts provide insight into essential money topics
Everything you need to know about the 2023 Autumn Statement
On 22 November 2023, chancellor Jeremy Hunt delivered the Autumn Statement against a backdrop of
The guide to using equity release to unlock property wealth later in life
Your home may be one of the largest assets you have. With property wealth often
Guide: 7 useful questions if you plan to take a flexible income from your pension
When you start to access your pension, how will you take an income? One of
4 important elements the “sandwich generation” could focus on for a more prosperous future
In 2021, around 3% of the UK population was providing care for more than one
How to choose an appropriate executor of your will, and why it matters
Creating a will is one of the most important steps you can take to prepare
Why did the Wilko franchise fail, and what can business owners learn?
On 10 August 2023, popular retail store Wilko entered administration. The 93-year-old company, founded by
10 magical life and money lessons you can learn from Disney
The Walt Disney Company is celebrating a huge milestone – its 100th anniversary. On 16
Intergenerational wealth planning: Your options when passing on wealth to the next generation
Ensuring your family is financially secure for the long term is a common goal. If
Remortgaging: The essential steps you should take when your mortgage ends
If your mortgage deal is coming to an end or it’s already expired, you should
The 2 surprising ways perfectionism could damage your financial circumstances
Being a “perfectionist” is a common trait individuals will often describe, used in both a
How business owners can improve their tax efficiency with pension contributions
If you are a business owner who works within the company, you may empathise with
5 important takeaways from the Bank of England’s recent interest rate decision
The Bank of England (BoE) raised the base interest rate by another half a point
FAQ
Most frequent questions and answers
Yes – 100%. This means we are not linked to any insurance or investment providers, allowing us to select the most appropriate solution for you. We are also directly authorised with the Financial Conduct Authority.
No – There are lots of factors to take into account when planning for retirement. There are great tax benefits to saving into a pension and with the new flexibilities afforded by the Pension Freedoms legislation, the way you access your pension has never been easier.
You might not need anything extra. It all depends on your circumstances and your views on insurance.
Remember though, your employer offers life insurance/Critical Illness cover/Income Protection etc as an employee benefit and they are not obliged to offer these. What if they decide to remove them. What if you move onto another employer – does the new employer offer the same benefits. By arranging your own protection policies, they are guaranteed to remain in place if you pay the monthly premiums.
Too many reasons to list here!
One of the disadvantages and great advantage of pensions…you cannot access your money until age 55 (for now).
Add in the tax advantages and better historical returns, pensions should definitely form part of your overall plan. Cash at the bank has it’s place, but not for long-term retirement planning.
Just yourself and anyone else you want involved (spouse/children). We’ll have a chat about your circumstances and go from there.
Your first meeting is at our cost, just to establish how & if we can help.
“If you can’t explain it simply you don’t understand it well enough” – Oliver McDonald. Apparently Einstein may have said something similar.
We’ll always keep our advice at a high level and explain in plain English.