Financial Planning Consultant DipFA, CeMAP, CeRER in Wolverhampton
I'm a financial adviser with over 30 years of experience. I'm passionate about helping people reach their financial goals and take pride in offering personalised advice that fits each client's unique needs. I understand that everyone's financial journey is different. That's why I take the time to get to know my clients and their aspirations, working with them to create a plan tailored to their specific circumstances.
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.
Home contents insurance, buildings insurance.
First time buyers, remortgages, buy-to-let.
Chris has advised me on possible solutions for my investments, making sure to cover all corners of options and proposals and make me aware of risks. Chris was very patient through the process and I am pleased to have now moved my ISA as per Chris’s recommendation and put in place a personal insurance policy to protect my family if anything were to happen to me.
I wouldn’t change anything Chris did in his approach or the advice he gave to me. My understanding of pension options was virtually nil and Chris went to great lengths to explain what all the options were and which would best fit my specific needs, making sure that I understood totally.
Chris advised me on how he could amalgamate all my pensions. He did the lot, from start to finish which was great. I now have them in one place where I can keep an eye on them, and one lot of paperwork instead of four. Everything went nice and smoothly. Hassle free for me personally
Chris is located in Wolverhampton and offers expert financial advice to suit your needs.
I strive to create a comfortable and trusting environment where we can openly discuss financial matters. My commitment is to provide reliable advice and ensure my clients fully understand their options before making any decisions. I'm always available to answer questions and offer support, and I'm dedicated to helping my clients achieve financial success.
Beyond my work as a financial adviser, I enjoy circuit and HIIT training, reading, and spending time with my son. I believe my well-rounded experiences contribute to my ability to connect with people and understand their diverse needs.
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 22 August 2023.
