Andrew is a diploma qualified Independent Financial Adviser working in and around the north west.
Having been a Financial Adviser since February 1990, he has lots of experience to fall back on and his main objective is to help people and families address their immediate needs and meet their long term financial goals.
He doesn’t use a one size fits all approach for financial planning but looks at where you are now, the plans and challenges ahead, and where you want to be in the future. To help you understand the truth about your financial situation.
Advice is provided on all areas of financial planning including protection needs including life cover, critical illness and income protection.
Andrew offers a pension review service looking at various areas including personal pensions, annuities, auto enrolment, SIPPs, pension transfers and drawdown.
Investment advice is provided from the tax efficiency of ISAs to full portfolio planning including inheritance tax planning.
Straight forward, easy to understand advice around investment, protection and retirement planning have been his core principles.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
Trusts are not regulated by the FCA.
The FCA do not regulate auto enrolment and inheritance tax planning.
Tax treatment varies according to individual circumstances and is subject to change.
Transferring out of a final salary pension is not in the best interest of most people.
Holistic financial planning
Establishing and reviewing Trusts
Complete personal risk management planning
Short and long-term savings and investments
Whole of life and Term Assurance protection
Private medical arrangements
Critical illness insurance
Permanent Health Insurance, aka Income Protection