Financial Planning

Financial Advice, or Financial Planning – what’s the difference?

Financial advice is generally fairly narrow in its focus, dealing with very specific needs in one, or more areas of your finances.  Often advice will result in a recommendation to purchase financial services products suitable to satisfy the needs identified.

Financial planning takes a much broader view of your circumstances with the objective a developing an overall Plan considering all aspects of your needs, objectives and priorities.  Financial products may still be part of the overall solution, however not until The Financial Plan has been written and agreed.

The What We Do page explains the process we follow, and confirms what security means in the five key financial planning areas of: –

We advise on…

  1. Death or serious illness
  2. Savings & Investments
  3. Mortgages & Household Insurances
  4. Retirement Planning
  5. Income Protection

Over the past 30 years we’ve experienced constant change and yet, in reality nothing much has changed in terms of the basics – the five fundamental areas described above!

That is until recently, when we recognised we’ve been missing a SIXTH important and fundamental area – the general health and well being of the people we advise!  Advice that is not necessarily about money or financial services products, but is more so about your personal well being!

And it is with this in mind that we now we offer a 6th area –

  1. Health Management!

In addition to general financial planning, we offer specialist advice including: –

  • Wills & Estate Planning
  • Later Life Planning, including Equity Release and Long Term Care fees Planning
  • Business & Corporate Planning
  • Complex Retirement Planning
  • Private Medical Insurance

Please be aware, when providing advice we will always seek to balance the intended benefits with any potential downsides and risks, for example: 

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.

Wills and Estate Planning are not regulated the FCA.  Our will writing service is separate to our relationship with Intrinsic who are not responsible for any advice given.

Get in touch 0151 328 5678

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