Financial Planning Consultant DipFA in Polegate
I provide holistic financial planning advice in Sussex, Surrey and London and across the UK remotely. I am based in Polegate in between Eastbourne and Brighton. What gets me out of bed each morning is striving to protect and preserve my clients' wealth through tax efficient investments, protection (life insurance, Income protection etc) and retirement 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.
Josh listened to my circumstances, applied his knowledge and wisdom, presented me with options and didn't put any pressure on me!!
Josh was great in providing a service, without coming across like just a salesman and offering deals that he would financially benefit from. I liked his soft approach and keeping in touch without being pushy. For this reason I will always go to back to him.
Josh Martin helped me by asking the right questions. He was patient and made me think about what I wanted for my family's future. His calm and charismatic nature was pleasant to deal with and he helped me achieve a holistic strategy within our means. He's really helped our family plan for the present and future.
He did an amazing job. Not only did Josh provide exceptional guidance during the initial consultation, but he also went above and beyond to ensure that I fully understood the terms of the policy and how it would benefit me in the event of loss of income. Josh was incredibly patient and attentive, taking the time to explain all the intricacies of the insurance options available to me. His depth of knowledge in the field was evident, and he was able to answer all of my questions thoroughly, leaving me feeling confident in my decision.
I approached Joshua because I am a self-employed small business owner who wants to ensure my financial position is secure. We discussed pension consolidation, insurance options, and a savings plan. I liked that Josh seemed genuinely interested in my goals and aspirations. I also greatly appreciated his friendly manner, and I am thankful for Joshua's advice. Highly recommended!
Sussex
BN26
Joshua is located in Sussex and offers expert financial advice in Surrey, London and across the UK via video call.
I am a passionate and experienced Financial Planner (over 10 years in the industry) and I truly believe my clients will lead better lives through clear, goal based financial planning. With additional experience gained from Brighton University and from working at two financial advice firms, I have a decent amount of knowledge in assisting individuals from all walks of life. I am a level 4 qualified financial adviser, so I am technically competent to provide holistic advice to all my clients.
Outside of work, I try to keep active playing 5 a side football and regularly attending the local leisure centre. I also have a passion for travel (particularly Spain & France) and history. I live at home with my wife, my son and last but not least, the centre of attention, a 10-year-old Cocker Spaniel, Podrick.
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.
