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We believe in the personal approach. We prefer to create a solution tailored to your real goals and objectives.
We know that our clients are all individuals, and all have their own particular circumstances, priorities, goals and needs. So our service begins with getting to know you and understanding your objectives.
We believe in the personal approach. We prefer to create a solution tailored to your real goals and objectives.
We know that our clients are all individuals, and all have their own particular circumstances, priorities, goals and needs. So our service begins with getting to know you and understanding your objectives.
Investment advice
We believe that everyone, regardless of how wealthy, should be able to invest their money how they want, where they want, and when they want. But how do you decide?
By understanding your goals, aspirations and attitude to risk we will design an investment solution that gives you the best possible chance of achieving your investment objectives.
We have vast experience of building long-term wealth so you can be confident that your investment strategy is designed just for you and your needs.
The value of your investments may go down as well as up and you may not get back the full amount invested.
Ethical investing
These days, the environment has become a key focus for ethical investment. Ethical investors tend to avoid the polluting smokestack industries, preferring to invest in ’clean’ technologies. The way companies treat their workforce is also a concern for the ethical investor.
We have been awarded with an ESG Kitemark, a symbol of trust and distinction, which allows people to identify organisations who believe in and act to deliver a fairer, more sustainable future. This is awarded to organisations which prove they are committed to making a positive difference to the environment, their clients, employees and communities.
The value of your investments may go down as well as up and you may not get back the full amount invested.
Investment advice and ethical investing
We have vast experience of building long-term wealth so you can be confident that your investment strategy is designed just for you and your needs.
Save
Putting your money away regularly for the future is a good thing to do but what is the best way to save? This depends on such things as your savings objectives, your timescales and ease of access to your money.
It is important that we all take the time to evaluate and understand our savings goals, as by doing this, we can establish the best route to achieving them.
Your adviser will help you plan in the most suitable and tax-efficient way to meet your needs.
The value of your investments may go down as well as up and you may not get back the full amount invested.
Retire
The State cannot provide more than a basic level of retirement income so we all need to take personal responsibility for our retirement income. Because we are living longer, we are retired for longer, and the proportion of our lives spent earning is shorter. This means that the earlier you begin saving for retirement the better.
Making sure you achieve the type of retirement you have always wanted is not just dependent on how you have planned your finances, but also on when and how you choose to access them.
It is important that you understand the options available to you as the decision you make at this stage will influence your income for the rest of your life.
The value of your pensions, and the income they produce, can fall as well as rise and you may get back less than you invested.
Live
Choosing the wrong mortgage can be an expensive mistake. But how do you find the right mortgage for you among the thousands that are available?
Using the expertise and state-of-the-art technology, your adviser can help you choose the mortgage that is right for your needs, make sure you have the right protection in place, and guide you through the whole process.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Protect
Imagine losing your income. Living without an income just for one month would probably cause you a problem.
What if your family lost your income for a prolonged period or even permanently?
It is all-too-easy to forget to do the simple things like making sure we protect our families against catastrophe.
We will work with you to ensure you put the right protection in place so that even if the worst happens your family won’t have to worry about paying the bills.
Business protection
Protecting your business is just as important as protecting your family – businesses must protect against losing key people.
If you are in business we can help you protect your interests and those of your partners or shareholders. It is also important to look after your employees and meet your obligations as an employer.
We can help you navigate the increasingly complex and regulated world of employee benefits, at the same time building trust and loyalty among your employees.
Future planning
There is no need to pay excessive Inheritance Tax.
With prior planning you can reduce, or even mitigate altogether, any potential liability.
Estate planning is a specialist area but we can help you protect the wealth you have worked hard to accumulate so it is there for your beneficiaries not the taxman.
The Financial Conduct Authority does not regulate taxation and trust advice and also will writing.
Financial advice to help you achieve your goals
Your life will change, and your plans will change with it as the years go by. Continuum lifestyle financial planning means building a long-term relationship, with regular reviews. We work to ensure that whenever you need help to look at your circumstances, someone you already know, and trust will be there to provide it.
Accountants
The world of finance is rarely straightforward. For businesses it can be especially complex. As an accountant you are dealing with many business owners, and you need to consider not only their financial position but also that of their employees: changes in legislation and changes in market conditions can have a big effect on yourself, your customers, and their employees.
Dealing with these issues can become a real distraction from the important work of running your business. It doesn’t have to be. We call it Workplace Solutions.
Workplace Solutions offers your customers a choice of services, addressing five key areas of their businesses (Workplace Protection, Workplace Pensions, Workplace Benefits, Workplace Education and Workplace Advice), and we tailor these appropriate to their requirements.
Business owners
The world of finance is rarely straightforward. For businesses, it can be especially complex. As a business owner you need to consider not only your own financial position, but the position of your business itself and also that of your employees: changes in legislation and changes in market conditions can have a big effect on you, your business, and your employees.
Dealing with these issues can become a real distraction from the important work of running your business. It doesn’t have to be. We call it Workplace Solutions.
Workplace Solutions offers your customers a choice of services, addressing five key areas of their businesses (Workplace Protection, Workplace Pensions, Workplace Benefits, Workplace Education and Workplace Advice), and we tailor these appropriate to their requirements.