Financial Planning Consultant DipPFS, Cert PTA in Ashtead
I am passionate about helping my clients achieve their long-term goals and aspirations. By taking the time to get to know each client personally, I gain a deep understanding of their needs and objectives. I then create tailored strategies that help them reach their financial goals. I’m committed to guiding clients through every stage of their financial journey, ensuring their future is secure and prosperous.
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
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Reviews are from Christopher's VouchedFor account.
After establishing our appetite for investment risk, Chris diligently reviewed our financial status and, after discussing options with us, made some recommendations on tax efficient investments and divestments, inheritance tax planning, insurance (of gifts) and pension planning for both of us.
Chris has kept on top of recent changes to pension contributions and limitations which has enabled me to take advantage of those changes.
Always ready to help and look at a challenge from many angles.
Personable and a good communicator.
Chris was recommend to me and although he lived many miles from me, he was able to communicate and advise in total confidence via regular Zoom meetings, e-mail and Telephone.
The advice he provided over several months proved invaluable and gave me the confidence to transfer my pension and invest in appropriate funds. Also he provided excellent advice on Tax, transfer values, risk analysis and legacy planning.
He provided cash flows, took my ideas and considerations into account and he organised and fully transferred my pension in good time. All this took place several years back had we have regular reviews and updates on my portfolio.
The outcome so far has been positive and I would 100% make the same decisions with the same adviser again. Chris recently advised me on different type of funds and the risks / advantages they offer.
I conclusion of this meeting was that my portfolio is now growing at a more improved rate and I am pleased with results.
Christopher has been more than helpful. His expert advice has been much appreciated.
He is well informed and knowledgeable.
He takes the time to explain all avenues available in a clear and concise manner.
I needed help in long term financial planning after obtaining income from a Business sale, and for retirement planning.
He has been really helpful in ensuring that my financial plans include growth in my funds, future income, tax management, and is very proactive in bringing new opportunities to me.
I found Chris just by chance after my Wife Sadly passed away and her company that she worked for advised me to find a Financial Adviser to sort out her finances and past pensions.
Chris was amazing at sorting everything out and finding monies I did not know she had.
Christopher is located in Ashtead and offers expert financial advice to suit your needs.
I understand that time constraints often limit people’s ability to undertake the required research to achieve the most suitable and most tax efficient returns from their investments. Also they may overlook putting in place adequate protection for themselves and their families from the surprises that life may throw at them.
I like to help my clients to put suitable tax efficient plans in place to ensure they can achieve their life goals, particularly ensuring that they make sufficient provision to be able to afford to do what they want when they decide to stop working.
I also provide advice on the best way to structure your finances to minimise the likelihood of you being subject to inheritance tax.
Advice can be provided to both individuals and to businesses.
I offer an initial consultation at my own expense to discuss your needs and expectations to establish how I can help you.
Outside of work I enjoy watching football, playing golf and spending time with my family.
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 01 August 2022.
