About You
Our financial planning services are designed for practising and retired UK resident doctors and dentists, including:
- Consultant Anaesthetists
- Consultant Neuro Surgeons
- Consultant Paediatricians
- Consultant Oncologists
- Consultant Anaesthetists
- Maxillofacial Surgeons
- General Practitioners
- Dental Principals
- Orthodontists
- Associate Dentists
- Surgeons
- Specialist Registrars
We usually start working with clients when they’ve accumulated a number of financial policies and have assets such as property, bonds, pensions and equities. They’ve often reached a stage where they may not have a clear plan that will help them achieve all their financial and lifestyle goals and objectives.
We also work with those who are at an earlier stage in their career and are usually looking to establish a foundation to their financial planning. The Product Research and Implementation Service may be the best place to start if this sounds like you.
Are you uncertain where to start?
If you can relate to some of the issues below we may be a suitable match for the type of adviser that you’re looking for:
- I’ve collected a number of policies over the years. But I’m not sure if I have the right ones and don’t really know how I will benefit from them now and in the future.
- I seem to have enough income but am spending most of it. How can I track where all my money is going so that I can make savings where possible and free up spare cash for the future?
- I’m not sure if my financial adviser is impartial. I’ve dealt with the same company for a number of years now, but it’s reached a point where I’m not sure if being sold new policies is always the answer to help me achieve my financial goals.
- I want to retire early but am unsure if I’ll be able to. I’m not really aware how much money I’ll need in retirement and I don’t know how to forecast it.
- I’m not sure if I’m investing enough towards my future. I’ve got a number of investments but am not certain if I’m investing enough for the future.
- I don’t know if my family and loved ones will be looked after financially if I die prematurely. I don’t know how much money they’ll actually need if I pass away. I’m aware of life assurance but I’m not sure how much cover I need.
- I only want to take the right amount of risk that I’m comfortable with. I’m not sure if my current investments are too safe or too risky.
- I’ve got an endowment policy and don’t know if I should keep it. I’ve received a projection letter from my endowment company and it is showing a shortfall, best case scenario. Should I keep investing into this plan or should I cash it in and invest elsewhere?
- I’m finding it difficult to keep track of all my investments. How can I reduce the amount of paperwork I receive and streamline the management of my investments?
Prior to the financial planning process we had put into place the basic framework for our financial future. This was on the advice of our IFA covering mortgage, savings strategies, pensions and sickness cover.
However, what we did not know was what this exactly meant for our financial future in terms of planning our retirement, children’s education and what would result if one of us died.
Now we know that we are on target to meet our plans which has brought security and peace of mind to the whole process. We also discovered that we were not adequately covered with life insurance. We now see the whole picture and where all the strategies fit into our plans.
Mr Simon Tupper, Dentist, Sheffield
The Ideal Client
Our clients typically share many of the following characteristics. If they fit you well, the chances are that we may be able to help you improve many aspects of your financial planning.
You recognize the value of receiving professional financial advice. You are open to receiving good advice and following the plan that is custom designed for you and your family based on your individual needs and concerns.
You are willing to share your financial concerns/objectives and fully disclose your financial information. You desire to have a comprehensive financial plan to help you gain a sense of control over your finances and strengthen your financial future.
You want to build wealth on a consistent basis by following a disciplined approach to investing. You understand that investing is not speculating and you keep faith that your financial assets will grow in the long run as long as you follow a disciplined approach to wealth building, despite the frequent fluctuations in the financial markets.
You are open to change. You know that the methods that have worked for you in the past may not help you achieve your financial goals in the future. You realise that if you want different results you may need to try new approaches.
You are action oriented and committed to getting things done. You know that creating a sound financial plan for your future will take a certain amount of commitment on your part and are prepared to commit the time and resources to achieve the results you want.
You adhere to the highest standards of integrity. You know that if you want to take shortcuts, we’re not the type of company that can help you. If you do want to approach your financial planning at the highest level, we’d like to help you succeed.
You understand that an impartial financial planning service is worth paying for. You know that getting advice that is totally impartial, without bias, can only be achieved by paying a fee for that service.
You like to work collaboratively and in partnership. You don’t want to feel like you’re being ‘sold to’ and want to work alongside someone who will help you develop a strategy for the rest of your life (or whatever period you choose).
Now that you know more about the variety of people and situations that we work with, click here to learn more about what we do
