Nick Winter
Chartered Financial Planning Consultant, Chartered MCSI DipPFS DipFA in Alton
A little bit about Nick
As a Chartered Financial Planning Consultant, I offer tailored financial planning and advice services to individuals, families, and businesses. Whether you’re preparing for retirement, investing for the future, passing on wealth, or managing tax planning, I’m here to help you navigate the ever-changing, often complex financial landscape to secure your financial future.
Start the conversation
Get in touch if you’d like to discuss the long-term benefits of including investing in your financial plans.
Contact me today
An adviser’s insight
When is the right time to invest?
There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.
When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.
Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.
There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.
If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change
*Based on an annual average investment return of 5% and inflation at 3%.
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
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.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Qualifications
Chartered Member
- 'Chartered' is the most respected indicator of professionalism. Attaining Chartered status is challenging and takes commitment. Not only does the adviser complete the relevant advanced qualifications they also have to demonstrate a consistent record of Continual Professional Development (CPD).
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Testimonials
Testimonial 1
With retirement approaching, my wife and I decided that it would be a good time for a full review of our financial situation to help ensure an enjoyable and worry-free retirement.
Nick took the time to really get to know us, and made us think about what we actually wanted our money to do for us. He put together a detailed life plan, as he called it, which demonstrated how our income, savings, investments etc would meet the cost of our desired lifestyle in retirement.
Using a cash flow forecasting tool modelled on our income, savings, investments and expenditure he was able to demonstrate different 'what if' scenarios to see the effect these would have on our financial position. It transpired that Nick found that we had an inheritance tax liability and using the 'what if' was able to show that we could mitigate this without it impacting our retirement plans. He also noticed that our Wills were linked to some trusts that were set up in 2006 and had become outdated and no longer effective in achieving what they were originally designed for.
Thanks to Nick, all of this has now been resolved. Nick did a thorough job and it was clear from the outset that my wife and I were front and centre at all times and he wasn't just trying to sell us something. I am confident to recommend Nick for any financial advice and have indeed done so already to a close family member.
Testimonial 2
I needed advice on investments and retirement planning and have been greatly helped with this by Nick over the last five years. From the start, Nick impressed me with his knowledge of investments and pensions and the related legal and tax issues. He is always focused on my overall goals and offers advice that makes sense in that context. He prepares well for our meetings and follows up any required actions promptly.
I have to admit that sometimes I take a while to make decisions or take necessary actions myself, and here Nick helps by prompting me. I'm happy with how my investments have performed and that the long term plan we have agreed makes sense. I really can't find fault with the service Nick has provided.
Testimonial 3
Nick has been incredibly helpful, patient and professional throughout the entire process from initial contact through to transferring my pensions. He is knowledgeable and approachable and a pleasure to work with. Every interaction I have had with Nick has been positive and productive, at a time of great change and uncertainty in my life. Nick was not only able to recommend great investment solutions with regard to transferring and consolidating my pensions, he also spent a considerable amount of time listening to my needs.
Nick always addressed any concerns promptly, explaining financial terminology in a user friendly way. In addition to this, he also advised me on life insurance options and gave lots of general financial tips and tricks to help me streamline my administration, paperwork and my life in general!
Location
Nick's location
Alton
Hampshire
GU34
United Kingdom
Nick is located in Alton and offers expert financial advice to suit your needs.
More about me
I live in Alton with my wife Emily, our son Jack and Wallace, our pigeon chasing, sock stealing cockapoo. I enjoy cooking, golf, frequent visits to the cinema, and spending time with friends and family.
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.