Pensions
From starting out to retirement choices, I'll help you make the most of what you've built.
- Starting or reviewing a pension
- Understanding your retirement income options
- Checking what you already have
Services
What I can help with
Independent advice across pensions, investments, mortgages, protection, cashflow planning and inheritance tax planning, shaped around your life stage and goals. You can come to me for one of these or for several. Either way, I'll explain things plainly and you decide what happens next.
In person around Fareham and nearby areas, or by phone and video anywhere in the UK.
Where I can help
Money decisions rarely sit in one box. A mortgage affects what you can save, and a pension affects what you leave behind. Pick the area you came for, and we can look at the rest if it helps.
Investments
Clear risk discussion and suitable options, without the jargon.
- Talking through how much risk feels right
- Options explained in plain English
- Reviewing what you already hold
Mortgages
Wide lender research aimed at finding the right fit for you.
- Buying a home or moving
- Remortgages and product transfers
- Buy-to-let
Protection
Life, income and health cover considerations for you and your dependants.
- Life cover for the people who rely on you
- Income and health cover
- Business protection
Cashflow planning
A simple picture of your money over time, so you can see whether your plans add up.
- Mapping your income and spending
- Your goals laid out year by year
- Stress-testing plans against what-ifs
Inheritance tax planning
Understanding how inheritance tax could affect what you leave, and the options worth talking through.
- A clear view of your current position
- Gifting and passing on wealth explained
- Working alongside your solicitor on wills
Who this helps
Planning ahead
Nothing is urgent, but you'd like a clearer picture of where you're heading and whether you're on track.
A decision coming up
A move, a remortgage, retirement or a change at work. You want to talk it through before you commit.
Reviewing what you already have
Pensions, savings or cover set up years ago. You'd like to know if they still suit you.
How it usually starts
Most people start with a free first meeting. We talk about where you are and what you'd like to achieve, and there's no obligation to go further.
If you'd like to go ahead, I'll agree the cost with you in writing before any work starts.
Get in touch
Or call 07751 367776
Questions people ask
Do I need advice in every area?
No. Plenty of people come to me about one thing, such as a remortgage, a pension or inheritance tax. If something else is worth a look, I'll mention it, but it's your choice.
Can we just talk about one topic?
Yes. Tell me what's on your mind and we'll start there. The first meeting is about understanding what you need, not covering everything at once.
Do we have to meet in person?
Not at all. I meet people in person across Fareham and nearby areas, and by phone or video anywhere in the UK.
Local starting points: financial services in Fareham, mortgage adviser in Fareham, and financial adviser across Hampshire.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of investments and pensions, and any income from them, can fall as well as rise and you may not get back the amount invested.
Ready to talk?
Use the contact form or Chat now on WhatsApp. Both come straight to me, not a shared inbox.