Our Services


The traditional retirement journey has changed and the choices and flexibilities available at retirement can be myriad and complex. Our advisers can guide you through all the stages of retirement planning:

Investment advice – Helping to make sure your money works for you during the accumulation phase of retirement and ensuring that your post-retirement investment strategy fits with your retirement objectives and circumstances.

Retirement options – Understanding the various retirement options including annuity purchase and income drawdown

Tax – From maximising your annual allowance and navigating the complex tapered annual allowance rules to untangling the lifetime allowance and using pensions as an intergenerational wealth planning tool.  


Creating and monitoring an investment strategy to meet your goals, our advisers provide bespoke solutions utilising a range of investment types:

  • Exchange Traded Funds
  • Actively Managed Funds and Investment Trusts
  • Structured Products
  • Discretionary fund management
  • Venture Capital Trusts (VCT)
  • Enterprise Investment Schemes (EIS)

Socially Responsible Investing

Allowing you to invest for the future whilst staying true to your values, we can provide bespoke solutions which consider Environmental, Social and Governance (ESG) factors.  

Tax Planning

The UK tax system is complex and continually evolving. We can assist in ensuring that you are making use of allowances and reliefs whilst structuring your investments to make sure you are not paying more tax than you need to.  

  • Pension Contributions
  • Inheritance Tax (IHT) Planning
  • Trusts
  • Gifting Strategies
  • Individual Savings Accounts (ISA)
  • Capital Gains Tax Allowance (CGT)
  • Offshore bonds
  • Onshore Bonds
  • Business Property Relief (BPR)
  • Alternative Investment Market (AIM)


Whether you are an individual or company, insurance provision is vital but is all-too-often disregarded by many. To protect you and your family if the worst should happen, or to help your business plan for the unexpected, we can help you assess the suitability of existing policies and set up new arrangements.

  • Life Assurance
  • Income Protection
  • Critical Illness
  • Key person
  • Whole of Life
  • Group schemes

Equity Release

Equity release can be a valuable option, enabling you to free up cash from your property to meet retirement needs. We can advise whether this is a suitable option for you, obtaining the most favorable terms whist factoring in other goals such as ring-fencing equity to protect your family’s inheritance.


When a marriage or civil partnership breaks down, it can be a highly stressful and emotional time. Dealing with financial affairs may feel impossible yet these decisions can have large and long-lasting consequences. We can help you understand and take the right decisions to avoid financial hardship:

  • Budgeting
  • Pension sharing
  • Protecting dependents – Insurance
  • The marital home
  • Business assets

Business Planning

The pressures of running a business may mean you have little time to consider planning for both you and your employees. Our advisers can advise business owners on a range of issues: 

  • Shareholder protection
  • Group Self Invested Personal Pensions (SIPPs)
  • Corporate Investments
  • Extracting profits
  • Key person insurance
  • Employee Benefit Schemes

Employee Benefit Schemes

The best employee benefit schemes motivate employees and enhance employee retention rates. From small offices to larger companies, we can advise on, and implement benefit solutions.

  • Auto-enrolment/Workplace Pensions
  • Group Life Insurance
  • Group Income Protection