Welcome to our website!
Our aim is to provide information that is accurate, clear and easily understood.
We also want our website to become the hub providing you with easy access to the most useful financial planning tools in the industry. And it is with this in mind that we developed our very own Riskograph just to get you going!
Can we help?
Our clients have told us they want –
- A clear plan to help achieve financial goals
- Ongoing reviews to ensure plans stay on track
- Greater understanding of their finances
- Confidence in advice, actions & decisions
- Prompt & accurate responses and information
What’s important is –
- Security for their family
- Time savings
- Reasonable charges
- Less time spent worrying about finances
- Maximise the use of income & capital
And the sole purpose of The Chester Partnership is to help our clients achieve these things! We acknowledge what we do isn’t for everyone, but please don’t hesitate to call and ask if we can help.
Sir Winston Churchill once said – “If I had my way, I would write the word ‘insure’ over every door of every cottage and upon the blotting book of every man, because I am convinced that for sacrifices that are inconceivably small, a family can be secured against catastrophes which would otherwise smash them forever..”
What would happen to you, your family… the people you most care about if anything were to happen to you – if you were to die prematurely, or suffer a horrible illness… a critical illness?
Whilst we certainly won’t want to think about these issues they are very real risks – but the financial consequences can be protected in a relatively inexpensive way…
For life, critical illness and family in benefit insurance we offer products from a selected panel of providers
Savings & Investments
“Someone’s sitting in the shade today because someone planted a tree a long time ago” –when the American business magnate Warren Buffet said this he was illustrating the importance of developing a long term savings & investments habit.
Whether saving money for the future or with capital to invest – financial planning should reflect your needs and objectives, tax efficiently AND any associated risks…
The value of the investment can go down as well as up and you may not get back as much as you put in
Home movers typically borrowed 2.86 times their income in November 2012, down from 2.90 in October, while the percentage of income consumed by initial interest and capital repayments ticked down to 19.1%. (Source: Council of Mortgage Lenders – cml.org.uk)
Financial planning in this area is focused on making sure that your mortgage (and indeed any other debts) will be repaid when you want it to be, you’re paying as competitive an interest rate as possible and the loan is adequately protected along the way…
Your home may be repossessed if you do not keep up repayments on your mortgage
For mortgages we can be paid by commission, or for a fee of usually £875 or a combination of the two
For general insurance we offer products from Legal & General*
*If Legal & General cannot insure you for buildings & contents we may use a range of other providers
Starting from October 2012, millions of workers will be enrolled into a workplace pension by their employer. If you’re enrolled, you, your employer and the government will pay into it. Workplace pensions — what it means for you (Source: Department for Work & Pensions)
Pensions are just another form of savings. Certainly with favourable tax benefits, but really just a way of putting money aside to ensure we can look forward to the kind of retirement we want when we decide enough’s enough… I’m out of here!!
Retirement planning can be focused on either: – reviewing existing benefits established so far, looking at future funding, or looking at how you ‘shape’ benefits at, or close to actual retirement.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested
Central to all of your financial planning is your ability to generate income. It allows you to protect your family, plan for the future… fund the family home. If that ability to generate income was taken away – either through redundancy, or long term illness then all these plans come crashing down.
Whether your needs & objectives relate to this, or any other area of financial planning – our role is to help you identify and prioritise them and then find appropriate solutions…
For accident, sickness & unemployment insurance we offer products from a selected panel of providers
It is all too easy for financial adviser firms to make statements such as ‘Customer friendly!’ . . . ‘Customer centric!’ . . . ‘Committed to Treating Customers Fairly!’ – you would expect us all to advertise our services using similar such words.
We believe we are however different because we DON’T concentrate on financial products and instead DO FOCUS on planning to ensure you achieve AND MAINTAIN your personal lifestyle aspirations regardless of the challenges we all face in life.
We believe such planning starts by following a healthy lifestyle!
And to confirm our commitment to be different we have taken what some would say is a bold and unusual step, by adding a new sixth dimension to the five traditional financial planning areas – Health Management. Making choices TODAY that will impact on the lifestyle you go on to enjoy.