Financial Planning Consultant DipPFS in Harpenden
My role as your financial planner is to work closely with you to create a robust financial plan to achieve your goals and ambitions. I'm there to answer your important financial questions and to advise on the most tax efficient options and solutions to achieve your goal. My mission is to remove the uncertainty and worry around financial security and to ensure you and your family are fully protected from life's uncertainties.
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
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
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.
Harpenden
AL3
United Kingdom
Stuart offers expert financial advice to suit your needs, covering Harpenden and surrounding areas.
I believe that proper financial planning starts with listening to your goals and ambitions, understanding your challenges and fears and working alongside you to create a financial plan that is robust, clear and measurable but also one that can evolve with you. We all pursue 'financial freedom' but most importantly it is financial peace of mind which is most important to most of us.
After 20 years’ experience in financial markets - trading and managing investments - my knowledge and experience in analytical decision making makes a difference to clients by helping them achieve their financial goals by using modern planning techniques and up to date technology to deliver accurate financial forecasts. I work with you to connect the different aspects of your financial life, business, family and personal ambitions. By joining the dots and coordinating the tax, legal and wealth planning enables us to identify and quantify the probability of achieving the goals that are most important to you and the timeframe to achieve these. Making sure you and your family are protected from any unexpected surprises is a key part of any plan and gives peace of mind. Plans should have flexibility as we all know that life can be unpredictable! All great relationships start with a conversation! Contact me to find out how I can help you realise your financial ambitions
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.
