Financial Planning Consultant DipFA in Dorchester
Nicky has been in the Financial services Industry now for over 16 years.
What does she do?
She helps her clients make well informed decisions about their financial journeys through the various stages of their life in a friendly & professional manner.
How does she do this?
She puts her clients’ interests first and gets to know what they want out of life; what their financial goals are and how she can help realise them.
Typical things that clients need to consider:
• When can I afford to stop working?
• Can I afford to buy my own home?
• Can I help my children buy their first home?
• Can we do anything about our potential inheritance tax bill?
• Are my savings safe & getting the most suitable return?
• What will happen to my family in the event of a catastrophe?
Nicky understands that financial needs change, and therefore will always communicate to her customers in a way that is clear, fair & not misleading as she believes it is essential to have an agreed contract strategy to allow her clients to discuss any change in circumstance of future aspirations on a regular basis.
Nicky’s clients achieve peace of mind by taking steps to:
• Make sure they’re never paying too much for their mortgage
• Protect current & future lifestyle & Maximise opportunities to accumulate and preserve wealth
• Enjoy the fruits of their investments when the time comes
“I find it hugely rewarding when my clients can go about their daily lives knowing that they are well protected & that their life's goals are realistic and being planned for financially.”
When Nicky is not working she is a big supporter of the local triathlon club, so you'll see her supporting her husband & close friends. She has also recently qualified as a local technical officer with British triathlon. You will often see her marshalling and supervising races in all weathers cheering everybody on!
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.
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
