Chartered Financial Planning Consultant, Chartered ALFBF, Adv DipFA,CeMAP®,CertLTCP in Manchester
I provide holistic financial advice in the Greater Manchester area, I enjoy helping clients build and preserve wealth through tax efficient investments, protection, and retirement planning. I hold a level 6 advanced diploma, and I am a chartered financial planning consultant. Financial planning is a complex area, if you feel that you would benefit from professional advice, which includes pensions, investments and tax, please get in touch.
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.
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
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.
I'm happy to say that I did benefit from the discussions with my financial adviser. He explained everything clearly, answered all my questions, provided advice and guidance as to my future pension and retirement plans.
I would definitely recommend him to friends and family and plan to contact him again when I am closer to retirement.
I have had financial advice in the past however this is the first time I feel confident in saying that I understand my options regarding my pension works and feel optimistic about my pension plans for the future.
Daniel is located in Manchester and offers expert financial advice to suit your needs.
Background: I have worked within the financial services industry for over 20 years, I originally started off within the insurance industry and then moved on to work within the banking sector. I have worked for two of the biggest banks within the UK, I have always wanted to be in a position where I can work for myself. I like the idea of having flexibility within my working week, and I know that through hard work and dedication I can make a successful business that will support me and my family for years to come.
Study: I have always wanted to educate myself to a very high standard, it’s important for me to have a high degree of knowledge, because I know my clients will see the benefits of working with an advisor that has taken the additional steps to have the increased knowledge and expertise.
Social: I enjoy spending time with my partner Sam and my cat Molly. I enjoy playing golf and I'm looking at reducing my handicap, so that I can potentially take my game overseas and experience some of the fantastic golf courses available within Europe. I have practised martial arts for a long time and gained black belt status, this type of training helps me stay fit and helps me focus my mind. I enjoy dining out, and as I'm getting older I'm preferring to go for a nice meal rather than spending time on the dance floor.
Aspirations: My goals are to manage a portfolio of my own clients, to build up healthy working relationships where I can utilise my experience and knowledge to help people with their financial plans. My Portfolio of clients is increasing all the time which is enabling me the opportunities to put into practise all of my years of study. I feel confident that I can help people with their financial planning, which includes things like trust and tax planning, pension and investment advice and having the right protection policies in place. I work in association with a fantastic company ‘Quilter’, utilising their experience and professionalism puts me in a great position and fills me with confidence when I'm in front of my clients.
I specialise in providing tailored advice on long-term care planning across the United Kingdom, helping individuals and families navigate the complexities of care funding and support options. With a deep understanding of the process and the evolving landscape of social care, I offer clear, compassionate guidance to ensure clients make informed decisions about their future. Whether planning ahead or facing immediate care needs, I provide expert solutions designed to protect assets and secure the right care arrangements.
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.
