Personal

Our financial planning method is tailored to your requirements and is flexible enough to be adapted as circumstances change.

We use a structured six stage process to ensure the financial plan we recommend is tailored to your requirements and is flexible enough to be adapted as circumstances change.

We are committed to using an efficient investment solution to help you achieve your financial objectives and personal goals.

Our portfolios blend a number of underlying investments, managed by market leading fund managers who take a range of different, yet complementary approaches to asset management based on your appetite for risk.

Our experienced asset managers, use a carefully selected investment process that covers four main steps:

• Asset allocation
• Security Selection
• Portfolio Construction
• Ongoing Risk Management

Critical Illness Cover covers many serious illnesses and can be run alongside life cover, or standalone. It pays out a tax-free lump sum, or income – when you most require it.

All Critical Illness Cover includes the main serious illnesses you might suffer from – coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.

You are more likely to be off sick or with an injury than you are to die before retirement. Your employer may pay you sick pay but some people overestimate how much they will get and so income protection provides a financial safety net. Income protection is available to self-employed, primary carers, part-time workers, contractors and more; our advisers can provide you with a quote to suit your circumstances.

Life Insurance protects your loved ones with a lump sum pay out, ensuring that they don’t suffer financially if you’re not around anymore.

Life Insurance, or life cover, provides a safeguard for your loved ones and can be customised for your personal circumstances.

By structuring your investments and providing sound financial advice, we ensure your retirement is as comfortable as you’d like to make it.

Whether you are just starting to save into a pension or are ready to take money out, our advisers are on hand to make sure you are able to reach your retirement goals.

It is never too early or too late to begin planning for your retirement, our advisers are not tied to any particular provider or product, so they will give you truly impartial advice on a broad range of solutions and will choose the best options for your unique needs.