DipFA, CeMAP, MIFS
Paul is a fully qualified Financial Consultant, with a wealth of experience in all aspects of financial planning. Key areas of expertise include mortgages, retirement planning, pension transfers and insurance. Paul would be delighted to speak with you and offer expert recommendations, whether you’re seeking advice for yourself, your family or your business.
Mortgage Service - Paul offers a comprehensive mortgage service, helping a full spectrum of clients, from buyers in regular employment, through to contractors and the self-employed. He can help with first time purchases, re-mortgages, and buy-to-let. Whatever your circumstances, Paul is confident he can help you get the best rate, tailored to suit your individual needs.
Family and business protection - Paul can assist his clients to explore and understand the potential personal & business risks that could arise. He can then provide options for protection against these risks, enabling the client to prioritise and decide which risks they feel are the most important to cover.
Retirement planning – Modern retirement planning is complex, as often life plans and tax rules change throughout our lifetime. It is vital to make sure that you are getting the most out of your current holdings, in order to help you achieve your long-term financial independence aims. Regular reviews are advisable and Paul will be happy to assist you in these matters, transferring or unlocking old pensions and setting up new work or personal pension schemes where advisable.
Personal portfolio planning – Choosing how and where to best invest your money can be time-consuming and confusing. In wealth management and investment planning, there are a lot of factors to consider, such as tax efficiency, risk, volatility and performance. Paul can help guide you through this complex area, helping you to understand which type of investments best suit your portfolio and plans.
Paul is happy to meet clients at their homes or place of work. Please contact the office to arrange an appointment.
Paul can help you with:
Holistic financial planning
Establishing and reviewing trusts
Complete personal risk management planning
Short- and long-term savings and investments
Home contents insurance
Whole of life and Term Assurance protection
Private medical arrangements
Critical illness insurance
Permanent Health Insurance, aka Income Protection
Mortgage placement and arranging for:
First time buyers
Deals researched and arranged to suit:
Fixed rate deals
Variable and flexible
Capped and or collared
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Trusts are not regulated by the FCA.
The FCA do not regulate buy to let mortgages.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
Tax treatment varies according to individual circumstance and is subject to change.