Financial Planner DipPFS in Greater Liverpool Area
I am a diploma qualified financial planning consultant and a member of the Personal Finance Society. I have worked in the pension industry since 2013 and now offer tailored financial planning for both corporate and private clients covering areas such as investments, pensions, and protection.
I am highly enthusiastic and pride myself on providing quality advice and a first-rate level of service, striving to be the first point of contact for any of my client's financial planning needs. I enjoy developing strong relationships with my clients, giving them peace of mind by discussing what can be complex subjects, without jargon and at the client’s level.
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.
Expert advice to help provide comfort in your retirement.
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Today, I work with a wide range of clients from individuals to business owners and large PLCs, helping them make confident, informed decisions about their financial futures.
Here’s how I support my clients: Retirement planning - I help clients visualise and achieve their ideal retirement by building a retirement planning strategy which is tailored to your investment preferences and goals. Whether you’re approaching retirement or planning decades ahead, I ensure your plan evolves with you.
Investment advice - I construct and review portfolios that align with your risk profile, responsible investment preferences, and long-term objectives. I provide clear guidance on how your investments can work harder for you.
Tax planning and efficiency - I advise on structuring your assets to minimise tax liabilities across income, capital gains, and inheritance tax. This includes optimising pension contributions, ISA allowances, and exploring more advanced solutions like investment bonds and trusts where appropriate.
Wealth protection and estate planning - I support clients in safeguarding their wealth through tailored protection strategies, including life cover, critical illness, and income protection. I also help navigate inheritance tax planning to ensure your legacy is passed on efficiently and in line with your wishes.
Ongoing reviews and support - Financial planning isn’t a one-off event. I provide regular progress checks and proactive updates to keep your strategy aligned with changing legislation, market conditions, and personal circumstances — ensuring your plan remains on track and fit for purpose. My advice can be delivered in person, or 100% remotely with meetings held by ‘Microsoft Teams’ or ‘Zoom’.
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.
