Enable Independent Limited is an independent financial advisers company in Bishop's Stortford, Saffron Walden and the surrounding areas. The company offers independent financial advice, mortgage advice and retirement planning.

Serviced Areas

  • Hertfordshire, Cambridgeshire & Essex

Contact Details

  Website
  City Bishop's Stortford
  Postcode CM23 2LD
  Phone Number 012 7975 5950

Products & Services

Financial Life Planning

It’s a fact that the majority of people have no idea where they are heading financially. They may have assets, investments and high levels of income but no clear picture of what it all means or what sort of financial future they are building for themselves.

Financial Life Planning is a process we have designed to actively manage your affairs, bringing together all aspects of your personal finances, from savings and investments and school fees planning to pensions, life assurance, mortgages and tax and estate planning.

Underpinning this is a lifetime forecast that graphically illustrates your financial roadmap. It will highlight both opportunities and threats, and perhaps for the first time you will clearly see not only whether your goals and objectives are achievable, but also whether they can be maintained in the future.


Retirement Planning

There are more choices at retirement than ever before. Recent legislation has provided huge flexibility but this comes hand in hand with increased complexity too.

The pension question we are asked more than any other is “have I got enough”. The best way to answer this is through Financial Life Planning but we can provide a summary of what your accumulated pensions are forecast to deliver and provide guidance on whether the current ‘wrappers’ and the investments therein remain suitable.

The State Pension has changed and you have to wait longer to collect it too. Your retirement funds are likely to have to last you much longer due to improved life expectancy, yet for some the ability to pay into a pension has been compromised. You need to understand how these factors impact you.

Our financial planners are well equipped to guide you through this minefield whether you are just starting out, nearing retirement, or whether you are already using your pensions & investments to provide for your lifestyle.


Business Planning

Business owners need specialist advice and we generally look to work in unison with your accountant and legal team to ensure all professional advisers are working towards the best outcome for you.
You may need to consider partnership or shareholder agreements and insurances, Key Person cover, pensions and other employee benefits.
Legislation changes quickly these days and we can make sure you stay up to date with your employer obligations. You must also remember that your business need to work to your personal financial benefit, after all, you are the one taking the risks and working the hours.
It is important to be able to separate your business life and your personal life from a financial perspective.
One day you may wish to sell or step away from the business and you need to have a plan in mind to help you achieve this.

  • I would recommend this business

Excellent service as always and we felt Rebecca went the extra mile to find us the right cover

Value for money
Service & support
Quality
Location
Overall ratingExcellent

  • I would recommend this business

Excellent, friendly and convenient!!

Value for money
Service & support
Quality
Location
Overall ratingExcellent

Customer Testimonials

I received very helpful mortgage advice from Ian Medway at Enable Independent. He acted very fast and kept me informed at each stage of the mortgage search. Having spoken to a few independent mortgage advisers now, I would definitely choose to go back to Enable Independent since the service was by far the best.


I was very happy with Stephen’s advice and taking me through the whole process of application with successful outcome.

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From Our Website

From day one, the emphasis at Enable Independent has been on building a team that brings not just financial expertise but also open minds on what our clients want from life. It is for you the client to choose your desired lifestyle and long-term goals; our job is to help you achieve them. At the heart of our ethos is the desire to provide comprehensive ongoing financial planning for clients rather than just piecemeal advice. After all, narrow advice is only valid on the day it is given, whereas planning is a continuing process that includes regular and ad hoc reviews.


If you have a family and are the major bread winner Enable's IFA's in Bishop's Stortford agree that it is a sobering statistic that around one child in 30 loses a parent before they grow up. The grief and trauma can all too often be compounded by a loss of income causing financial crisis for the family. Luckily life insurance is widely available and one of the cheapest ways to protect your family's finances if the unthinkable happens. But it can be easy to pay 1,000s more than you need to over the life of the policy if you are not careful so it is wise to work out if life insurance is right for you, but also how to get it the cheapest way.


Initially, we can carry out a health check of your existing investments to make sure they remain fit for purpose, and provide guidance if not. Your capital resources and income must be considered alongside the demands of your current lifestyle and future objectives to develop a portfolio with the potential to deliver your objectives. At the same time this must remain within the boundaries set by your attitude to risk and your ability to withstand the inevitable ups and downs of investment markets.


Since our formation in the year 2000 our aim has been to help clients articulate their financial goals and objectives, and then set about creating plans that look to not just deliver them, but confidently maintain them in the future. We have a close-knit team of financial planners with decades of collective expertise. They are aided by our hugely experienced support team and we work collaboratively to ensure best possible outcomes for our clients. We are based in Bishops Stortford, on the doorstep of Stansted Airport.