The value of advice

You don't have to go at it alone

Working with an independent financial adviser offers you a number of different benefits.

The most obvious is the potential to grow your wealth over time. For example, a study by Vanguard Asset Management (Adviser’s Alpha, June 2020 - quantifying-vanguards-advisers-alpha.pdf, estimated that people working with a professional financial adviser achieve an extra 3% per year in investment returns than those people who choose to go it alone.

Compound this over many years of advice, and you could end up in a much better place than going at it alone. Along with helping our clients towards achieving financial gains, how else do we help our clients? See these below.

The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.

Clarity

Goals

We help you develop clear goals to give the planning context.

Services

PENSIONS

Many people have several legacy workplace pensions, which forms part of the core planning and advice.

These pots are often neglected and sitting in a default fund with a provider.

We establish how much you need to contribute to have 'enough', one day.

INVESTMENTS

We help cut through the nonsense, show you what works (and what doesn’t) and establish your personal appetite for risk.

Whatever your preferences, your investments will be shaped in the way that best serves your financial plan and your personal tax position.

DRAWDOWN
OF ASSETS

There are hundreds of different scenarios for when you could retire, and which assets to drawdown on.

How long will my funds last?

We use software, our expertise and principles of financial planning to model when this time could arise for you, and which assets to draw from.

INVESTING
FOR KIDS

There will be weddings, university and house deposits one day.

Although your kids might be young now, before you know it these things will crop up.

We can plan for them now so it is not a financial shock to your plan in the future.

CASHFLOW PLANNING

Most people's finances are quite arbitrary, they hope they will have enough one day.

Our clients are intentional when making financial decisions and planning.

When can I choose to stop working? How much should I be putting into my pension/investment each year to have 'enough' one day?

Learn more

The Financial Conduct Authority does not regulate Cashflow Planning. The value of investments and
any income from them can fall as well as rise. You may not get back the full amount invested.

Get in Touch

Reach out to us for expert financial advice and personalized planning solutions tailored to your needs.