Ember House
Pleasant Place
Hersham
Surrey
KT12 4HR

Tel: 01932 254032
Fax: 01932 231261

Planning your future

You may have a good idea of where you would like to be in five, ten or twenty years' time.

For example, you may want to set up your own business, buy a second home - or retire early and enjoy a peaceful life in a sunny villa in the South of France.

But, whatever you have in mind, unless you do something about it now, it probably won't happen. You need a sound financial plan, so that you can build up the necessary funds to turn your dreams into reality.

As with other complex aspects of life, such as medical or legal matters, you need the help and assistance of professionals who are experts in their field.

That's where we come in. We can help you prioritise your goals - then devise a strategy for achieving them.

At the same time, we can recommend the necessary insurance arrangements to prevent your plans being upset by the financial consequences of your long-term sickness, disability or death.

We all have financial needs, and finding an affordable solution to meeting those needs is an area that many people seek advice upon.

Your needs today could be significantly different to those of the future. Financial planning can provide a means of reducing current tax liabilities as well as enabling you to provide for your future. You may wish to plan for a child's education, or the purchase of a dream home or perhaps for income in your retirement.

No effective financial plan can ignore the effects of outside influences like accidents, long term illness or loss of employment. It is also important to consider the effects on others were you to die.

How we can help you

Most people regard the financial world as a minefield - and would like a knowledgeable expert to guide them through it. We have a highly experienced team of professionally
qualified financial advisers, who specialise in explaining financial products and services in ordinary, everyday language. That's important, because you don't want a financial plan that you can't understand.

However, nothing in life stands still - and, as time goes by, your circumstances and objectives are likely to change. As, indeed, are the prevailing economic climate, rates of tax and the relevant legislation.

We are therefore happy to review your plan at regular intervals -typically once a year - and recommend any adjustments that may be appropriate.

In addition to this overall planning service, we can also address any specific individual requirements that may arise, such as:-

• Making sure you are not paying more tax than necessary.

• Arranging life assurance protection.

• Obtaining a mortgage.

• Providing you with an income if you become unable to work.

• Recommending an appropriate pension plan.

• Planning to reduce or eliminate the Inheritance Tax payable on your death.

Totally impartial advice

As Independent Financial Advisers, we are able to give you financial advice that is completely impartial.

With no links or ties to any one product provider, we have access to all 30,000 or more financial products that are available in the market.

This enables us to select and recommend the most competitive and appropriate arrangements for you.

Corporate clients

We also offer services to employers, advising them about employee benefit arrangements, directors' pensions, key person insurance - and providing personal financial advice, on an individual basis, to the firm's staff.

Totally impartial advice

As Independent Financial Advisers, we are able to give you financial advice that is completely impartial.

With no links or ties to any product providers, we have access to all 30,000 or more financial products that are available in the market. This enables us to select and recommend the most competitive and appropriate arrangements for you.

Nothing to lose - but everything to gain

Hopefully, looking through our website will have persuaded you that it would be a good idea to talk to us about the benefits of a personal, tailor-made financial plan.

If so - or if you would like to ask us some questions about any aspect of financial planning - simply call us on 01932 254032, and we will be pleased to arrange an initial meeting for you with one of our specialist advisers.

The meeting, which can last up to 60 minutes, will be completely confidential. It will be totally free of charge. And you will be under no obligation to carry out any recommendations that we may make.

We will be pleased to arrange the meeting at a time and place to suit you. It can be held at our office, in your home or even over the telephone. Simply let us know which you prefer.

Specialist advice

Most of our clients see us as general practitioners in the financial services field - highly professional, highly qualified and able to advise them about all aspects of their financial well-being.

However, in the same way that doctors often call upon the skills of a relevant consultant, we sometimes need to call upon the knowledge and skills of a specialist in a particular aspect of finance.

For example, if you wish to set up a particularly complicated trust arrangement, we may need to involve a solicitor. Similarly, if your earnings derive from different countries, we may need to consult an accountant.

Listed below are the areas of specialist advice that we provide - and details of who you should contact.