Areas of expertise
I am a qualified Financial Adviser with over 20 years of experience in the Financial Services industry. I provide a range of financial services and advice for clients across the North West and North East of England. Areas I cover include: Lancashire, Cumbria, Yorkshire, County Durham, Teesside, however, I also have clients across the UK.
Investment in modern technology has made this more practical for me as my clients, as part of my ongoing service, have access to their very own bespoke client portal. This gives my clients 24/7 access to their investment, pensions, life assurance and mortgages all in one place. Of course, I’m still available to provide advice and recommendations but my clients who wish to receive an ongoing service are confident in the fact they can see all of their financial details in one place.
Financial planning is a very personal matter; requiring discretion and a personal approach. Every individual has different circumstances, ambitions and needs. What’s more, needs often change over time so I feel it is vital to have an adviser/client relationship that is conducive to build on this to find a solution that is unique and individually tailored to suit particular needs and objectives. Any ongoing service agreement will enable me to review your needs annually to ensure my initial recommendation remains appropriate for you in the future, as needs change.
I am always happy to hold an initial meeting with new clients at my own cost to discuss your needs and tell you more about the services I offer. Any costs for committing to further work and any ongoing services will be discussed and agreed at this meeting.
If you would like to know more about financial advice and my services please call me or drop me an email using the details below and I’ll come back to you as soon as possible.
Financial advice is about so much more than money. To me it’s about helping my clients achieve the future they want for themselves and their families. Helping you realise financial security and put your hard-earned money to work is what drives me as a Sandringham Partner.
During my time as a financial adviser, I’m proud to have helped people from all walks of life. A common misconception is that advice is reserved for the wealthy, but you don’t have to have millions in the bank to benefit. I’ve helped people from diverse backgrounds and professions reach their goals. It’s a big part of why I love what I do.
Whether you’re just getting started or a seasoned investor – financial advice could help you get more from your money. I start by understanding your needs and financial ambitions – this might be working towards a particular goal, or helping loved ones down the line.
It’s important we consider things like your ability to make regular payments, any one-off investments you could make, your level of comfort regarding market volatility and risk and how long you’re looking to invest for. I can then recommend the investment products that I believe best match your aims and expectations.
Have you considered what you want your retirement to look like? Most people accept that it’s generally a good idea to save into a pension. But will it give you enough to live the life you want in retirement? The earlier you lay the groundwork, the better. Effective retirement planning could mean you’re financially better off and have more time to spend on the things you love.
It’s never too late to put plans in place or discuss your options. I can look at your situation and recommend which steps to take, based on where you are in life, to help make your income last in retirement.
We can’t predict what life has in store for us, for better or worse. But we can prepare ourselves. If you become unwell and can’t work, you may not be able to pay your bills and your family could be left in financial difficulty. I can help you create a protection plan that might include income protection, life cover and critical illness cover. Knowing you’ve taken out financial protection to take care of things could mean one less worry for you and your loved ones.
It might not be nice to think about, but having a plan in place for what happens to your money and other assets when you die can have a huge impact. The earlier you have these conversations and put plans in place, the longer you have to make better use of tax allowances, so more of your wealth can be enjoyed by your loved ones.
There are some financial implications to consider when passing on wealth as well as your own personal wishes for your money, and I can help you create a plan that considers both. Tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live.
Buying a home is likely to be the biggest purchase you’ll ever make. It’s a big step and could be much easier to take if you’re well-informed and get some good advice. Whether you’re a first-time buyer, moving on, downsizing, or even buying a second home, I can help you find the mortgage that suits you best. And working with a range of carefully selected lenders, I could help to improve your chances of being accepted knowing which lenders are most appropriate for your circumstances.
Find an adviser in your area and get the conversation started
Suite 15
The Media Centre
7 Northumberland Street
Huddersfield
HD1 1RL
Sandringham Financial Partners Ltd (‘Sandringham’) is authorised and regulated by the Financial Conduct Authority. FCA Number: 581304. Registered Office: Suite 15, The Media Centre, 7 Northumberland Street, Huddersfield, HD1 1RL. Registered in England and Wales No: 08022795. VAT Registered: 235 3237 81. Sandringham Financial Partners Ltd is a wholly owned subsidiary of M&G plc (Registered Number 11444019).
