Chartered Financial Planning Consultant Cert CII (MP),Chartered MCSI in Poole
I have over 15 years of experience in financial services and I am a Chartered member of the Institute of Securities and Investments. Before moving to Poole in 2017, I spent my career in the City of London, working in various roles including Wealth Management and Stockbroking.
Since joining Quilter Financial Advisers, I have provided individuals, families, and businesses with tailored, jargon-free advice on all aspects of financial planning.
My passion is to help build a bespoke plan around my clients’ finances, giving them the information needed to make informed decisions. I can assist with the following areas of financial planning: pension planning either pre or post-retirement, investments, mortgages, life assurance, critical illness, income protection, and estate planning.
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.
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.
First time buyers, remortgages, buy-to-let.
Fixed rate deals, discounted, variable and flexible, capped and/or collared.
Ian became our Financial Adviser 18 months ago. He was a tremendous help moving from our previous FA after we relocated to the South Coast from Scotland. We hold meetings face to face or via video throughout the year.
Ian is very approachable and any additional questions we may have are promptly answered via email.
Ian provided clear and accurate advice in a friendly and businesslike manner. He helped me select investments that suited my goals and aspirations.
Excellent! Ian visited me at home twice and explained all of my pension options. They included some that I didn't know were possible.
He sorted everything out for me, including transferring my existing funds.
Ian talked me through the various options and we agreed on what was probably best for me. All was completed within a couple of months.
All in all, a great and friendly service. Highly recommended.
Thank you Ian.
I was put in touch with Ian when I was going through redundancy. Ian helped me navigate that stressful and complicated situation with unfailing positivity.
He was unbelievably patient and clearly explained all my options. He helped me to consolidate pension plans which I had been putting off until I received down to earth advice that I could understand.
Ian has gone above and beyond to provide an excellent, friendly service. He has helped me enormously and I look forward to continue to work with Ian.
I could not recommend him more highly.
This was my first experience with utilising a financial adviser. Ian spent a great deal of time explaining how he planned to advise me and make himself available to answer any questions I may have.
His approach was and still is very professional. With the World in its current state he is able to advise in a way that helps you understand the bigger picture and allows you to make better informed choices.
I would certainly recommend him to anyone.
Getting financial advice for my pensions was a worry for me, I thought it would be difficult and complicated.
Not so with Ian Futcher , an extremely down to earth and personable chap, who explained my options in an easy and clear way.
I would have no hesitation in recommending him to anyone looking for advise in this field.
Ian was very helpful when I asked for pension advice - good clear communication with all options laid out.
I would recommend him for anyone needing financial advice.
Ian is located in Poole and offers expert financial advice to suit your needs.
When working with either individuals or businesses my aims are simple, help create wealth in a tax efficient manner, make sure that wealth is protected in a tax efficient manner and finally decumulate or pass on that wealth in a tax efficient manner. I achieve this by providing jargon-free financial advice so that my clients have the information they need to make informed decisions regarding their finances.
By getting to know my clients, I get to understand their objectives. I then work in partnership with them to outline how these objectives are best achieved and building a bespoke personal plan tailored to their needs. This could involve setting up new plans or reviewing existing provisions to see if they are suitable to meet these objectives. Once a plan is in place, I work with my clients to make sure they stay on track by regularly reviewing any plans in place also making sure assets are in the most tax efficient wrappers, whilst on target to meet future objectives by using tools such as cash flow modelling, and lastly altering plans if needed.
Please read some of my reviews and if you wish to have a no obligation initial consultation to see how I may be able to assist you with your financial planning needs please feel free to contact me to arrange.
Alongside helping clients, I give educational talks to the NHS, local government departments, and businesses on all aspects of financial and retirement planning.
I have also been featured in the national press discussing various financial planning matters in titles such as The Daily Mail, The Telegraph, Investors Chronicle, and other media publications.
Outside of work, I like to spend time with my family, take my children camping, cook, and walk my dog.
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.
