We are currently focused on Retirement Planning and carry out Occupational Pension Transfers for our clients and the clients of other Financial Advisers across the country.
Highlights, Specialties & Features
- Qualified Pension Specialist who can advice on transfer from Occupational Pension Schemes
Professional Associations & Certifications
- Chartered Financial Planner, Level 6 Advanced Diploma in Financial Planning &amp;amp; Advanced Pensions AF3
- Pensions, Retirement, Investment & Mortgages
|Address||3s Pinetree Centre|
Mark Green is the Managing Director of Green Gem and he has run the firm and its associate companies, from the very start almost 19 years ago. Mark has drawn on his vast experience in Financial Services, which stretches back over 29 years.
Products & Services
We offer a free initial consultation for new clients and can arrange for any future fees to be taken from the investment in most cases. Sometimes the advice provided during this consultation will be all you require and our service will cost you nothing. Although, we'd love you to recommend us to friends and family if you are pleased with the help that we have provided.
A full assessment will be offered, which includes tax analysis, cash-flow analysis, an Investment report and a retirement report for a fixed fee. Essentially a full wealth check. (see below)
If the advice you need is modest we provide more limited advice such as re-mortgage or insurance analysis, which can be carried out for a reduced fee.
Our Full Financial Review consists of:
* A full assessment of your current financial standing.
* Advice on how you could reduce income tax, capital gains tax and Inheritance tax on your estate.
* Cash-flow analysis: to project your expected wealth and disposable income forward throughout your life.
* Retirement Report: Assessing the value of your pension schemes and investments and advising on any shortfall, which would restrict you from continuing with your current lifestyle, at your chosen retirement date.
* Investment Report: Assessing the efficiency of your investments with respect to the risk that they involve and setting the expected returns against your spending targets, such as University fees or buying a holiday property. Advice will then be provided with regards to making your investment portfolio more efficient whilst matching your attitude to risk.
* Researching the market: If you need a new contract, we will research the whole market to assess the best provider, the most suitable product and construct a portfolio of funds to meets your needs.
* Regular Review: Finally we will make arrangements to review your financial situation, pensions and investments, on at least an annual basis. During this review we will assess the progress of your investments and pension funds and rebalance your portfolio and change funds where necessary.
- I would recommend this business
I spent 2 hours talking to Mark about my retirement options. He was very honest in his assessment of the options available to me. He carried out a survey of all my different pension schemes and also a questionnaire to assess how risk averse both my wife and I were. At no time did he try and "recommend" schemes or try to push me in any direction. He pointed out that if I needed a written report it would cost a significant amount of money otherwise the session would be free.
|Value for money|
|Service & support|
Mark explains things clearly and lets us know exactly what we will be paying for. He has great integrity and only recommends the products that he feels will benefit us and not what will only benefit him
Very good understanding of his clients wishes. Giving easy to understand advice, the plusses and negatives of different investment options. A thorough initial survey of his clients attitude to risk. Excellent administration and client communication.
Mark is fantastic, he went through our details helping up ensure we'd thought of all of the relevant incomings and outgoings, before suggesting and talking us through the various options. When it came to savings, Mark looked through all of the investment options, following a risk analysis assessment which helped him understand the risk level we should be looking at regarding investment. A very, very nice bloke who has really helped us out with our financial affairs.
From Our Website
As financial advisers we provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives. Some of the key areas we advise on are listed below. Of course, we'll be happy to discuss your own personal situation and goals with you.
Auto enrolment is a government initiative to help people save for later life through a workplace pension. In the past, many employees may have missed out on valuable pension benefits, either because they didn't join their company's pension scheme or their employer didn't offer them a pension. This was changed by the introduction of auto enrolment which makes it compulsory for employers to enrol eligible employees into a pension scheme and to pay a minimum contribution into it. The government has set minimum levels of contributions that must be paid to the workplace pension scheme by you and/or your employer.
Whether you rent or own your home, insuring it makes sense. There are two main types of home insurance to consider - buildings and contents. As the names suggest, buildings insurance protects the property itself, whilst contents insurance covers the furniture, furnishings, appliances, clothing and all your possessions. Whatever the type of property you live in, even if it's 'non-standard', the chances are we'll be able help you to find the cover you need. We'll also be able to help you get the right cover for all your home contents.
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property. Whilst insuring ourselves against an undesirable event such as sickness or death, may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked. There are various ways in which a family can protect itself, and because of the large range of products available, there is usually an appropriate policy for most circumstances, and most budgets.
Pensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement. The new State Pension is a regular payment from the government that you can claim if you have reached State Pension Age (SPA) on or after 6 April 2016.
If you die without a Will, then the government will decide who will inherit your estate in accordance with the Rules of Intestacy. These were drawn up in the 1920s, and despite major revisions in 2014, may not accord with your wishes. Depending upon circumstances and the size of your estate, your spouse may end up sharing your assets with your children. Married partners or civil partners inherit under the rules of intestacy only if they are married or in a civil partnership at the time of death.
Mortgages are one of the largest single transactions in most people's lives. Buying a property can be a stressful and time consuming experience; nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender's offer. Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers. The two main methods of paying a mortgage are repayment (capital and interest) and interest-only.