Family & business
Our services
Our team of independent financial advisers offer a comprehensive range of financial services to clients from all walks of life. Our services are tailored to your particular requirements, whatever they may be. We’ll help you to establish your goals and objectives and then work with you to identify just how you might achieve them. You’ll have more clarity on what your financial arrangements can do for you, so you can make sound financial decisions for your future.
Family
For you and your family
Pensions & retirement
Plan for the retirement you want, review existing pensions and make sense of your options.
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ISAs & investments
Invest with a clear plan that matches your goals, timescale and attitude to risk.
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Residential mortgages
From your first home to remortgaging, help finding the right mortgage for you, with a mortgage calculator.
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Inheritance tax planning
Plan ahead to protect your estate and pass on more of what you have built.
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Equity release
Understand whether releasing money from your home is right for you, and the alternatives.
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Business
For your business
Business insurance & protection
Relevant life, key person and director share purchase cover to protect your people and your company.
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Commercial mortgages
Finance for business premises, investment property and portfolios, with a commercial mortgage calculator.
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Development finance
Funding for ground-up builds, conversions and refurbishments, with a development finance calculator.
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Bridging finance
Short-term property finance for auctions, chain breaks, refurbishments and fast purchases.
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Business loans & finance
Business loans, asset finance and invoice finance to fund growth, equipment and cash flow.
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Professional partnerships
For accountants, solicitors and other professionals: a joined-up service for your clients, with a no-compete promise and no referral fees.
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Resources
Tools & guides
Free tools & calculators
Free calculators for pensions, mortgages, inheritance tax, protection and business finance.
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Our sister company
Omni Lifetime Planning
Wills, lasting powers of attorney, trusts and probate are provided by our sister company Omni Lifetime Planning, from the same St Albans office.
Q&A
Questions & answers
Do you advise families and businesses?
Yes. Our Family services cover pensions, investments, mortgages, inheritance tax, probate, equity release and later-life care. Our Business services cover commercial mortgages, development finance and business protection insurance.
Do I have to use all of your services?
No. Many clients come to us for one thing, such as a mortgage or a pension review. We will point out anything else worth looking at, but you decide what to go ahead with.
How much does advice cost?
It depends on the work involved. We always explain our fees in writing before any chargeable work starts. See our How to pay page for the options.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.