Providing expert and unbiased advice on investments, pensions, inheritance tax, mortgages and protection plans. Our friendly team take time to understand your requirements and will provide unbiased solutions for you to help you achieve your goals.
- Leicester, Derbyshire,
|Address||First Floor, 3 Stadon Road|
|Phone Number||01163 193343|
Products & Services
Whether you are looking to make provision for the future or already have existing personal, company or complex schemes we will be able to assess and recommend the right solutions for you.
Investments can play a significant part in planning towards key milestones in your life, whether they be paying for education costs, future property purchases, additional funds for retirement, providing a legacy for your loved ones or something that’s more personal to you.
With so many different options in the marketplace, our expertise and independent status allows us to make the appropriate recommendations and ensure they link back to your goals. The solutions we recommend could be finding ways to grow your money, to provide you with an additional income, or a combination of both. It is important to understand that all investments (even cash in the bank) will carry some form of risk. Our ethos is to understand you, appreciate your preferences on risk and give you enough information to help you make an informed choice. An important part of this step is to also consider tax efficiency and how this ties back to your tax position today as well as in the future.
Inheritance Tax Planning
We understand that you have worked hard throughout your whole life and it may be important to you that your loved ones benefit from the wealth you have accumulated. With the right planning and advice, you may be able to reduce / eliminate the amount of Inheritance tax payable on your estate, but more importantly leaving a legacy for those who matter to you the most.
We understand that for many people, thinking about death, illness and insurance is neither pleasant, or at the forefront of their minds. However, if you have financial aims and aspirations such as paying for children’s education costs, moving to a bigger home or planning a comfortable retirement it is important to consider the challenges that could get in the way.
I have come to rely on Bharat's good, sound advice when it comes to matters of finance, pensions and what is best for me. At the heart of this relationship is the trust I place in him and would recommend his services when it comes to doing the right thing for your own situation.
I was looking for help with investments for long term financial security following a family bereavement. Bharat took his time to explore my particular financial situation, my goals and my baseline understanding of investing. He is always very patient when explaining financial concepts and his recommendations. He has adapted his advice to suit me as my situation has changed with time. He is approachable and friendly, and if I have any queries he always responds promptly. I am happy with the recommendations and service. I now feel more confident about investing and about my future. My pensions have been made more streamlined, which will hopefully serve me better in retirement.
Richard helped us with our retirement decisions and in particular helping me to understand the benefits available through my company pension scheme. His support with this made it an easy decision to continue and take advice regarding how to invest the money that I received as a lump sum. After an initial interview, Richard discussed the options we had and offered his solution in a way that complemented our thoughts. That being said, he did challenge us during this process by picking up on my wife's reluctance regarding risk and spending time educating her in connection with this without disrespecting her views. Once we had agreed possible solutions, he organised a report and presented this in a way that was clear and jargon free. He gave us plenty of time to reflect on the advice and I was impressed at the time he spent checking my wife understood and was comfortable with his suggestions.
Bharat was fantastic: he not only explained the entire mortgage process clearly, thoroughly, and accurately - he also provided invaluable advice and assistance regarding other aspects of the process, such as arranging our life insurance cover, and discussing in depth not just our plans for the immediate future (the imminent house purchase) but also our intentions longer term, and how different approaches to savings and repayments might impact our ongoing lifestyle. He provided continuing advice and support, despite a setback with the survey causing the process to take slightly longer than anticipated, and was extremely considerate in the swiftness of his communication. On a personal level, I found him to be both friendly and extremely professional, with a genuine empathy for the potential quagmire of confusion confronting first-time buyers. To conclude, I would highly recommend his services.
We are delighted with how Richard has helped us and fostered our trust in him. We are completely confident that he understands us and our approach to risk and investments and will recommend him to others.