Paul Read
Financial Planning Consultant DipFA, CeMAP, MLIBF in Ringwood
A little bit about Paul
I offer Financial Advice that is tailored to you. Based on considerable experience in the financial sector. My aim always to help businesses and individuals take a holistic view of their financial position to help them achieve their objectives. I would be delighted to speak with you and offer expert recommendations, whether you’re seeking advice for yourself, your family or your business.
I offer advice on most areas of financial planning and will refer you to an appropriate in firm specialist for more niche areas. I for example am a specialist in final salary work as well as the services listed below.
Mortgage Service - Paul offers a comprehensive mortgage service, helping a full spectrum of clients, from buyers in regular employment, through to contractors and the self-employed. He can help with first time purchases, re-mortgages, and buy-to-let. Whatever your circumstances, Paul is confident he can help you get the most appropriate rate, tailored to suit your individual needs.
Family and business protection - Paul can assist his clients to explore and understand the potential personal & business risks that could arise. He can then provide options for protection against these risks, enabling the client to prioritise and decide which risks they feel are the most important to cover.
Retirement planning – Modern retirement planning is complex, as often life plans and tax rules change throughout our lifetime. It is vital to make sure that you are getting the most out of your current holdings, in order to help you achieve your long-term financial independence aims. Regular reviews are advisable and Paul will be happy to assist you in these matters, transferring or unlocking old pensions and setting up new work or personal pension schemes where advisable.
Personal portfolio planning – Choosing how and where to best invest your money can be time-consuming and confusing. In wealth management and investment planning, there are a lot of factors to consider, such as tax efficiency, risk, volatility and performance. Paul can help guide you through this complex area, helping you to understand which type of investments best suit your portfolio and plans.
Paul is happy to meet clients at their homes or place of work. Please contact the office to arrange an appointment.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
Start the conversation
Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today
An adviser’s insight
Aim to maximise your cash savings
It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.
This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.
If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.
1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024
Cash on deposit advice is not regulated by the Financial Conduct Authority.
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.
Mortgage
First time buyers, remortgages, buy-to-let.
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.