I provide ‘Bespoke’ and tax efficient financial planning advice to individuals and business owners.

I focus on understanding my clients’ personal and professional motivations, forming long term relationships through the design, implementation and maintenance of ‘Bespoke’ Financial Plans that meet their ongoing financial goals.

Goal Based Financial Planning

Taking a modern approach to financial advice & planning, I prioritise specific financial goals and needs whilst investing with a strong focus on sustainability and long term planning. My holistic approach incorporates tax optimisation and tax efficient investments, regular investing structures, pension & retirement planning, personal protection, inheritance tax and estate planning.

Step 1: Understanding Your Financial Goals

Understanding goes beyond simply seeing your financial circumstances and needs on paper.

I will help you identify and understand your specific financial goals and crucially, why they are so important. This provides the clarity needed to prioritise and begin working towards these objectives.

Step 2: Designing Your ‘Bespoke’ Financial Plan

Your plan will be created for you on a ‘Bespoke’ basis, laying out exactly how I can help you meet your financial goals.

Only when we have agreed on your priorities will I move on to designing you a Bespoke Financial Plan. This will provide you with a clear roadmap to help you meet your financial goals.

Step 3: Implementing Your Financial Plan

It is important that you understand what I am advising and how it works.

Investments, pensions, tax wrappers and protection plans can often be complex and difficult to understand. I simplify any jargon, explain clearly what we are doing, how we are managing your wealth and why.

Step 4: Ongoing Financial Plan Reviews

Keeping your plan up to date and in line with your goals is essential.

Over time, things change. Therefore, I will review your financial plan with you on a regular basis to ensure my ongoing advice remains suitable and in line with your established, new or changing objectives.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.