Holistic financial advice for individuals
Independent Financial Planning Services Limited supports individuals in reviewing their broader financial arrangements and remaining confident that nothing critical is overlooked.
Our Services
- Pre-Retirement* and Post-Retirement Planning whether you need help with deciding what to do with your previous and current personal and employer pensions (regulated by The Pensions Regulator) or not sure if you are saving enough for your retirement. I do not give advice on final salary (Defined Benefits) schemes.
- Investment Planning** whether you have a lump-sum to grow or you are not happy with returns on your existing investments.
- Inheritance Tax Planning.***
- Protection of your Family to ensure your goals can still be achieved should you die unexpectedly or you are diagnosed with a critical illness. Family Income Benefit - Life and Critical Illness cover - Income Protection.
* A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. The tax treatment is dependent on individual circumstances and may be subject to change in future. The value of units can fall as well as rise, and you may not get back all of your original investment.
** The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Past performance is not a reliable indicator of future performance and should not be relied upon. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. The Financial Conduct Authority does not regulate tax planning.
*** Inheritance Tax Planning is not regulated by the Financial Conduct Authority.
What to expect
Initial review
We gather information about your current arrangements and priorities, then identify any gaps that you may want to explore.
Analysis
Our reports summarise cash flow, investment positions and pension data so you have a clear snapshot of the current picture.
Discussion
Conversations focus on transparent comparisons between the options that suit your timeframe and tolerance for risk.
How to get started
To begin, provide any relevant documentation you already hold and describe the financial priorities you wish to address. From there, we outline the next steps and any additional data required.