Strata Financial
Financial Services in Telford, Shropshire
We're independent financial planners and investment advisers, and exist to assist our customers achieve and maintain financial independence. We trust that by creating a plan - in writing and in pictures - all our customers are safe in the service that they are financially well organised, will never run out of money, can handle most of what life throws at them and will enjoy the lifestyle they imagine. Having a deep desire to understand what our customers genuinely want in their lives and what their most cherished objectives and values are means we can assist bring real meaning to how they use their money.
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About Us
read moreOur clients have access to our Finance Portal for valuations, secure communications, document storage and investment data. Simon has held positions within Midland Bank, Avco Trust, Sun Alliance and Abbey Life all financial services firms, before becoming an Independent Financial Adviser and Financial Planner. This background has enabled him to enhance his communication skills and advise clients at all levels. All Simon's clients are business owners, members of the professions or successful private individuals.
Wealth Management
read moreWe offer a diverse range of wealth management products. The right combination of investments can be different for each client, being reliant on their needs, goals and attitude to risk. We are there to help you construct a portfolio that is designed to build and protect your long-term prosperity. The right investments can assist you in growing your wealth and protecting it against inflation. We offer a wide range of funds to choose from, along with expert advice that will help you build an appropriate portfolio.
Pensions
read moreOnce you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right. Pensions can be an effective form of tax planning; based on current rules achieving tax free growth and a tax free lump sum. Dependent upon your circumstances you may be able to reduce immediate income tax bills or pass on the value to the next generation. It's essential that you review your pension situation regularly.
Investment and Savings Advice
read moreOur investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals. Investing can offer you a good opportunity of growing your money over the longer term. A long-term approach to investing is generally accepted as being likely to provide the most benefit. Whether you start paying in to a personal pension, invest in an ISA or invest on behalf of your children, the earlier you start the better. Both saving and investing can be used to meet both short and long-term financial needs.
Financial Calculators
read moreFor illustration only we have a selection of useful calculators. We hope you find them useful but remember that the figures should not be used for making any financial decisions. A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. 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. By gifting at least 10% of your net estate to charity a reduced rate of Inheritance Tax may be applicable.
Equity Release
read moreIf you are in your mid 50's or older you might have paid a substantial amount off your mortgage, or be close to doing so. The value of your home may have risen considerably since you bought it, but you might still be short of money to spend, invest or even pay your standard mortgage off. When the "equity" value in a home is released on the householder trading down to a smaller property, the cash which is realised could be applied to provide additional income, to establish a trust fund, or to fund some major item of expenditure.
Life Protection
read moreThe aim of life protection (or life assurance) cover is to protect you against the unexpected. It will provide money for people who financially depend on you. We need to consider the impact and consequences our death would have on the people most close to us. We can look at your lifestyle to tailor a protection package, ensuring your family will be financially secure whatever life throws at you. Helping you to protect the things that are important; your family, your health and your lifestyle. You only get a pay-out should you die within the 'term' of your policy.
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