How we can & can't help you

We provide Independent Financial Advice. For how this differs from Execution Only or Insistent Client services, which we do not offer, please download "Is our service right for you" at the foot of this page.

How we can help

• Residential Mortgages: home movers, first time buyers and remortgages, impaired credit, second charge and Retirement Interest Only (RIO). Minimum loan £150,000

• Personal Protection: Life Assurance, Income Protection, Critical illness cover

• Business Protection: Key Person Cover, Partner/Director Share Protection, Relevant Life Plans

• Retirement Planning: Personal Pensions, SIPPs (Self-Invested Personal Pensions), Flexi-Access Drawdown, Workplace / Auto-Enrolment Pensions, Pension Annuities

• Investment Planning: Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs, Collective Investment Funds (Unit Trusts & OEICs), Onshore and Offshore Investment Bonds, Purchased Life Annuities, Ethical, Socially Responsible and ESG investments, Islamic compliant investments

• Care Fees Planning

• Inheritance Tax Planning

• Trusts

• Referrals to specialist firms for Wills, Lasting Powers of Attorney, Private Medical Insurance, Redundancy Cover, Home, Motor and Public Liability

Please also read the relevant risk warnings at the footer of each page.

Services we do not provide

• Direct stocks and shares, as we are not Stockbrokers

• Defined Benefit Pension Transfers #

• Consumer Buy to Let or Business Buy to Let Mortgages #

• Equity Release (except RIO) #

• Exchange Traded Funds (ETFs), Exchange Traded Commodity / Currency (ETCs), or Exchange Traded Notes (ETNs)

• Investment Trusts, due to potential illiquidity as they are closed-ended funds and because of gearing risks

• Legal Advice including Wills and Powers of Attorney, as we are not Solicitors #

• Stand alone Tax Advice, except tax considerations linked to the financial products we advise on, as we are not Accountants or Tax Specialists

• General Insurance including Redundancy Cover, Home Insurance, Motor Insurance and Public Liability Insurance, as we are not General Insurance Brokers #

# We can refer you to specialist firms for these marked services.

Please read the "Is our service right for you?" document below:

RISK WARNINGS

THIS WEBSITE IS FOR UK RESIDENTS ONLY.

THE TAX TREATMENT IS DEPENDENT ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

THE VALUE OF UNITS CAN FALL AS WELL AS RISE, AND YOU MAY NOT GET BACK ALL OF YOUR ORIGINAL INVESTMENT.

THERE MAY BE AN ELEMENT OF CURRENCY RISK WITHIN SOME OF THE PENSION AND INVESTMENT SOLUTIONS WE ADVISE.

A PENSION IS A LONG TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE AND ANY OTHER DEBT SECURED ON IT.

FOR THE OVERALL COST FOR COMPARISON FOR ALL TYPES OF MORTGAGES (INCLUDING IMPAIRED CREDIT) PLEASE SEE THE APR (ANNUAL PERCENTAGE RATE) ON THE RELEVANT MORTGAGE ESIS ILLUSTRATION.

NON-INVESTMENT LINKED TERM LIFE AND / OR CRITICAL ILLNESS ASSURANCE COVER AND INCOME PROTECTION WILL HAVE NO CASH IN VALUE AT ANY TIME. THE COVER WILL CEASE AT THE END OF THE POLICY TERM. IF PREMIUMS ARE NOT MAINTAINED, YOUR COVER WILL LAPSE.

WE ONLY RECOMMEND CRITICAL ILLNESS PLANS WITH THE ENHANCED OR FULLY COMPREHENSIVE LIST AND DEFINITIONS OF CONDITIONS. FOR A FULL LIST OF THE DEFINITIONS OF ILLNESSES COVERED PLEASE REFER TO THE RELEVANT KEY FEATURES AND POLICY DOCUMENTS ISSUED BY THE INSURANCE COMPANY, FOR THE POLICY WE HAVE RECOMMENDED. THESE DOCUMENTS WILL BE ENCLOSED WITH YOUR ADVICE REPORT.

NON-REGULATED BUSINESS INCLUDES INHERITANCE TAX PLANNING, TRUSTS, NATIONAL SAVINGS & INVESTMENTS (NS&I).

APPROVED BY IN PARTNERSHIP 192638 AUGUST 2026.

refreshingly different; reassuringly straightforward