How we work together - we listen, properly, then we help you.

In 2009 our business and personal clients are looking for financial calm and stability.

Clients want to reduce risk without necessarily losing returns and they want financial products - mortgages, insurances, pensions and more - that will make them, their families and their businesses feel confident, safe and secure.

We achieve all of this and more by building a relationship with you.

We learn about you.

Working together – personal financial advice

Meetings are unrushed, thorough, friendly, pragmatic and are focused on results.

There are two stages:
STAGE 1: Initial Review
STAGE 2: Ongoing Review

STAGE 1: Initial Review - First things first.

An initial review of your existing financial arrangements covers (for example):

Do you have a pension?
If you do, when was the last time your pension was reviewed?
Do you save money?
If you do, are you getting the best returns you can?
Do you have life assurance?
If you do, are the people you care about going to benefit, or will the tax man benefit most?

STAGE 2: Ongoing Review

As personal and world financial circumstances change from time to time it is important to undertake a review of your financial position. Good financial planning will help you to prepare for:

The changing face of finance, worldwide
The birth of children, starting school, university or college
Starting work or changing your job
Buying your first home, moving house or changing location
Getting married
Making the most of a redundancy payment or starting your own business
Managing an expected or unexpected windfall
Divorce, illness, retirement, bereavement

Working together – financial advice for businesses

The way we work with businesses is not dissimilar to the way we work with the clients who want to chat about personal finances.

Just because you run a business does not mean that you should be at the mercy of Revenue and Customs and be receiving feeble returns on any money your business has on deposit.

We’ll remind you of this and help you to:

Improve your life outside of the business. After all, what’s the point of all your personal hard work if you don’t benefit financially?
Deflect, control and minimise the ‘attacks’ on your business from VAT, general taxation, National Insurance, Capital gains tax and Inheritance tax
Release money from your business in the most tax efficient ways
Protect yourself and other key employees from the often devastating additional effects of illness, critical illness and death
Protect yourself from creditor pressures in times of illness, critical illness and death

But it’s not all doom and gloom of course. Running a business should be exciting and rewarding.

Alok will provide a fresh pair of eyes and often quite radical ways of thinking and help you to get the very best from the money you have in your business. This is just one of the reasons why Alok and his team have won and have been nominated for a range of prestigious awards.