Financial Planning Consultant DipPFS, Cert CII (FS) in Ipswich
I have a career spanning over a decade. My industry experience has equipped me with a comprehensive understanding of the financial landscape. Committed to lifelong learning, I am continually expanding my knowledge through further qualifications.
In the UK, there’s an estimated £26.6bn1 in lost or forgotten pensions. That means the average UK worker is missing as much as £28k2 from their retirement money. But there’s good news - this kind of financial hit is completely avoidable.
This one might seem obvious, but it’s easy to lose track of your pension pots, where they are, and what they’re doing. If you make a note of your pension providers, and check your pot(s) regularly, you’re far less likely to lose one of them over time.
Your investment allocation is where and how you’re investing your pension. Often, people will just use their pension provider’s default setting. But this might not actually be right for your retirement goals and risk profile. So, it’s a good idea to revisit this every few years.
If you’ve had a windfall recently, like a pay rise, bonus, or inheritance, putting a portion of it into your pension is a good idea. Not only is it tax-efficient, but you’ll be glad when your retirement comes around.
As an adviser, my role is to help you get all of this done simply, with all the facts and information you need. That might be helping you review your risk profile, consolidating old pension pots, or making a plan to help you retire early.
If that sounds good to you, please get in touch.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Tax Planning is not regulated by the Financial Conduct Authority. Tax treatment varies according to individual circumstances and is subject to change.
2 Source: https://www.hrmagazine.co.uk/content/news/average-uk-worker-has-28-000-in-unclaimed-pensions
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
We had been considering our options for investing our children's money for some time, wanting to ensure we chose the best possible solution to give them the maximum return for their future.
We were very pleased to have been put in contact with Caroline as she listened to our wants, needs and concerns and understood everything clearly; she was even empathetic to some of the money being inheritance from their grandad. She provided us with reassurance, making everything as transparent as possible and it was clear to see that she wanted to ensure she gave us the best possible advice and only presented what she believed would work best; showing us a few options and explaining why she was suggesting the particular investment we went with.
Everything went smoothly and was put in place quickly. We were kept updated throughout the whole process and Caroline responded quickly to any questions we had.
Caroline from when I first met her is always so positive and considerate. She listened with care and compassion when I came into some inheritance because it’s such an emotional meaning she was very sensitive and respectful of the situation.
I always find her to be professional and knowledgeable about what she offers and what legal things are and how to think long-term with money investments. Her knowledge and expertise is met with someone who can explain and help to understand any questions I have of my money; and I feel reassured about this considerate amount of money is safely and thoughtfully invested. She has also helped me with recommendations for advice from some excellent professionals that if I so wished to I could speak with if I needed to find out more information and guidance, they were independent from Caroline and very helpful.
I’d had some bad experiences with my bank regarding coming into all this money, Caroline is a much needed breath of fresh air into my situation, a much needed helpful human, I’m glad I met her when I did and kept in touch in time to invest in something with her help. Otherwise I don’t know how I’d be, I may well have had a lot more stress than needed at such a sensitive time of loss in my family. Instead, I have a good meaningful investment that I trust in Caroline’s excellent guidance.
Very knowledgeable and explains everything in plain English. To allow you to make the right decision now and for the future for you and your family and cares to make sure the advice is right for you.
Caroline is absolutely fantastic! If you struggle with staying organised like me, she's the perfect solution. She not only sorts everything out for you but also gives you gentle reminders and explains things in easy-to-understand terms. Plus, she really goes above and beyond, especially when dealing with tricky companies who make transferring funds a hassle. I highly recommend reaching out to Caroline for any help with your finances that you might need.
I am passionate about helping individuals realise their financial ambitions. Whether it's planning for a comfortable retirement, funding higher education for children, or saving for that dream holiday, I work closely with clients to develop bespoke financial strategies.
My comprehensive approach involves a meticulous assessment of individual circumstances, risk tolerance, and long-term goals to create tailored solutions. I provide ongoing support and guidance throughout the financial journey. I believe in the importance of regular reviews to ensure that financial plans remain aligned with evolving circumstances and objectives. I am dedicated to helping clients make informed decisions and achieve financial security and peace of mind.
Outside of work, I enjoy spending quality time with my family, immersing myself in a good book, and embracing the outdoors whenever possible. Whether it's going for a walk, exploring new places, or enjoying paddleboarding. Book a complimentary initial consultation with me today. Let’s work together to achieve your financial goals.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.
Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 07 June 2023.
