How we help

We’ll help you answer the questions that are important to you. Such as:

  • Can I retire now?
  • When can I retire?
  • Will I be able to maintain my lifestyle if I retire early?
  • Can I afford to reduce my hours?
  • How much can I afford to spend in retirement?
  • How much can I gift to my family without running out of money myself?
  • If I sell my business will I have enough for the rest of my life?
  • What will my inheritance tax liability be?

When faced with the big financial decisions in life, by leveraging our wisdom and expertise, our clients are usually able to work out the answers themselves. Our clients see themselves as the CEO and us as the finance director. It is your money to do what you want with, but we firmly believe that we will help you make better decisions.

Financial Forecasting

We will build your lifetime financial forecast. This will show you by way of charts what your financial future could look like.

This is guaranteed to make you see your finances in a new light. It will help you answer questions about your finances and see what you can achieve in your lifetime.

Tax planning

Whether it is structuring a tax efficient retirement income, tax relief on pension contributions or mitigating inheritance tax or capital gains tax, we help our clients reduce tax and benefit from tax incentives.

Investment management

We have our own low cost ‘evidence based’ investment portfolios. We believe passionately in these. Our director invests into these portfolios himself.

Policy reviews

Clients often approach us with a lifetime of pension, investment and protection policy paperwork. We are experts at reviewing your existing policies and identifying whether they are appropriate for your financial plan.


We believe that a financial plan without the proper protection is a financial plan built on sand.

Having the correct protection policies empowers you because your financial plan for you and your family cannot be derailed by death or ill health.

Business planning

For business owners, your business is likely to be a key part of your retirement plan. Whether you need help with extracting profits from your business in the most tax efficient way or protecting the business from death or ill health, we can help your business.

Equity Release

Releasing money from your property is not suitable for most people. However, in some scenarios it enables people to enjoy their wealth whilst remaining in their home.

Care Fees Planning

We provide advice on your options when you or a loved one need to pay care fees .

What our clients say
Joe has really made a huge difference. We now have a strategy and a plan that I understand. He expertly guided us through our financial review and provided the information and advice that means we have now planned the years ahead.
Mr S Randall