I am an Independent Financial Adviser (IFA) and a Chartered Associate of the London Institute of Banking and Finance (Chartered ALIBF).  I live close to Ludlow, on the borders of Herefordshire, Shropshire, Worcestershire, and Powys, but my 30 years’ experience in Financial Services means I have clients throughout England and Wales.

As a Chartered IFA, I am qualified to help you with all sorts of financial matters ranging from pensions and retirement (I am a Pension Transfer Specialist), investments, estate planning (I hold the STEP Certificate for Financial Services [Trusts and Estate Planning]), later life issues (I hold the Certificate in Long Term Care and Later Life Planning) and everything in between. 

The first step towards successful financial planning is to think about your financial aims; the next step is to think about your attitude towards, and your tolerance, capacity and necessity for, financial risk.  This is where I can help.  Together we can determine your financial goals and look at how they might be met, we can then look at the interplay of financial risks: this is the foundation of your tailored financial plan.

Cashflow modelling (where we forecast your finances into the future) is a key part of your financial plan and is essential to illuminate the route to your financial goals and gauge your ability to withstand losses.  An effective cashflow will show where you are now, where you want to be and show if you’re on track, it can also show the different routes that are worth consideration.  Your financial plan can be thought of as a route-map and like all route-maps it should be referred to regularly and may be tweaked and adjusted as unexpected things happen and/or if your goals change.

So, if you’re looking for an IFA in Herefordshire, Shropshire, Worcestershire or Powys please get in touch.