Stephen Higgins
Financial Planning Consultant DipFA in Ramsgate
A little bit about Stephen
Stephen is an experienced Financial Planning Consultant, having moved into Financial Planning in 2007. He holds the Diploma qualification and has over 20 years experience in client facing roles in the Financial Services industry having worked for one of the UK’s largest high street banks before joining Quilter Financial Advisers and is a member of the Personal Finance Society and Chartered Insurance Institute.
Stephen’s main area of expertise is retirement planning where his specialty is helping clients by reviewing their existing pension plans to ascertain if they are in the right place for them with a view to helping build them up to help fund the client’s retirement. He then keeps them under regular review to ensure their continued suitability and also assists those looking to access their pensions at or close to their retirement.
He looks to provide information in a clear, concise and easy to understand way and has access to a range of products from a number of market leading providers.
Start the conversation
Get in touch if you’d like to discuss how to balance your present spending plans with your future saving goals, or any other financial matters you’re thinking about.
Contact me today
An adviser’s insight
Spend wisely and save smartly
June can be one of the best months of the year with summer well and truly on the way. But with all those holidays, weddings, anniversaries, and other spending, it can also be one of the most expensive too.
While you should be focusing on the present, it’s also important to be aware of how major outlays now can have a significant impact on your financial security in later life. A cashflow model can give you a clear picture of the consequences your spending and saving can have on your future.
It’s also good to know about the ways you can use your tax-free allowances wisely on certain expenditures. For example, your gifting allowances can let you pass on up to £3,000 a year to your loved ones without it being added to the value of your estate.*
Together, we can make a plan to help you live your life to the full now, while still having the retirement you want later on.
Click on the contact me today button at the top of my profile to discuss how I can help you.
*Source: HMRC
Services
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
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.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Pensions
Expert advice to help provide comfort in your retirement.
General Insurance
Home contents insurance, buildings insurance.
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.