Personal Financial Designs

read moreAndy has over 30 years experience providing independent financial advice to individuals from all walks of life. Andy specialises in designing and implementing financial plans to meet the objectives and priorities of his clients. Primarily these services are provided for entrepreneurial business owners or individuals with capital to invest or protect. Andy aims to develop financial plans that will lead to financial independence and a secure financial future for his clients. In addition, for his investment clients, his main focus is to develop a well-balanced and appropriate investment portfolio that produces above average rates of return commensurate with the level of risk acceptable to the client.

read moreIn recent years the pensions industry has become more advanced in terms of the flexibility of investments available and the structure of the actual pension arrangements. This is an area of constant change and we recommend regularly reviewing your pension provision to plan for a secure and enjoyable retirement. A Self-Invested Personal Pension (SIPP) is a tax-efficient wrapper within which a wide range of investments can be held. SIPPs have the same tax benefits and regulations as conventional personal pension plans but have control over the investment choice - each SIPP is unique to the individual.

read moreThis is our core financial planning service. We design and, if required, implement a financial plan based on your financial requirements, covering retirement planning, investment planning, estate planning etc. The plan will be designed to enable you to achieve your financial objectives, whatever they may be. It is entirely at your discretion whether to instruct us to progress to the next step in the process. This gives you the opportunity to access our expertise to whatever level you feel you require.

read moreOne of our most popular services, the Spotlight Review is a one off, fixed price, consultation with a qualified financial adviser focused on a particular issue or financial problem you are facing or having to deal with. Often this service is used by individuals who have a particular financial decision they need to make, commonly with a fixed time deadline. The range of topics covered has been diverse, ranging from maturity of fixed rate bonds to assessment of financial packages on redundancy. The other common motivation for using the service is to have a set of "independent" eyes to look at a financial decision or commitment that you intend to make, to ensure that you have taken account of all possibilities.

read moreIf you are currently faced with the prospect of funding care for yourself, a relative or a friend, you are almost certainly feeling emotionally drained right now. The process of finding suitable care, not to mention helping your loved one come to terms with the significant changes to their lifestyle, can be extremely difficult. If that's not enough though, the emotive, and often confusing, financial situation seems to add a further level of complexity. Whether you are acting for yourself, as an Attorney, or as an appointed Deputy, we can help guide you through this difficult time.