Financial Adviser DipFA in Oxford
I am a Financial Planner and my aim is to listen to my clients and understand their personal wants, needs, goals and objectives to provide the best tailored advice to my clients. My aim is to be as helpful as possible and provide the best service. I pride myself in helping others to be better off, whether it be helping my clients make better decisions so they can plan, protect and enjoy their life.
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
Home contents insurance, buildings insurance.
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.
Oxford
OX4
United Kingdom
Ronald is located in Oxford and offers expert financial advice to suit your needs.
Once upon a time, I use to work in property and in sales. However after nearly 2 years, I realised I wanted to pursue something more fulfilling that allowed me to help people. Whether it be families, businesses or working professionals, I wanted to offer a service in which I could offer help, which I wasn't getting. After talking with my mentors, I realised I wanted to be a financial planner.
I understand the need to prepare for every situation and the desire to put your loved ones, your business or yourself in a better position. Which gives me the sense of fulfilment with what I do. At times financial planning can seem stressful and complicated, which is why I try to explain things as if I am talking to myself when I first started. So that my clients can be informed and feel confident in the decisions that they are making because of how well they understand it.
This extends beyond work, as I aim to help people in my personal time volunteering for things such as be staff at a youth group or leading a men's group. As for myself, I enjoy quiet hobbies like reading and journalling, sometimes I play the guitar and sing to myself. One thing I plan to do one day is write a book.
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.
