Financial Planning Consultant DipPFS in Sussex
My name is Joshua Magrath, I’m a former international student-athlete, I have 2.5 years’ experience in financial services, and I’m based in the heart of Sussex.
My objective as a holistic financial adviser is to help individuals like yourself achieve your financial goals with confidence and clarity. I do this by building long-term, trusting relationships and will be there to support you every step of the way. With a focus on understanding my clients’ unique circumstances and goals, I’m able to provide a bespoke service, specialising in areas such as retirement planning, investments, tax-efficiency and protection.
Please feel free to get in touch – I’d be happy to help you navigate your financial journey.
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.
Home contents insurance, buildings insurance.
Haywards Heath Sussex
United Kingdom
Joshua is located in Sussex and offers expert financial advice to suit your needs.
In working towards becoming a qualified financial adviser, I have obtained the CII Level 4 Diploma in Regulated Financial Planning after passing a series of examinations, with focus on areas such as investments, pensions, protection and personal taxation.
As a financial adviser I enjoy building meaningful relationships where I am able to develop a deep understanding of my clients’ circumstances and objectives, on a personal and financial level, which massively helps in providing value on a bespoke basis.
I like to work with clients on an ongoing basis, being able to support them every step of the journey, through life’s twists and turns and making complex situations as simple and accessible as possible.
In my spare time I enjoy an array of sports, including playing golf at my home club, Royal Cinque Ports GC, playing football for Old Ardinians FC and have run a couple of marathons in the last couple of years.
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.
