At Padstone Financial Management Ltd, we dedicate ourselves to offering a fully integrated wealth management service that prioritises the individual requirements of both new and longstanding clients. Our expertise spans pensions, investments, protection, tax, and trusts, providing a comprehensive approach to financial planning. By fostering strong client relationships, we ensure that each solution is tailored to the unique circumstances of the person or family we serve. Our philosophy is built upon delivering reliable, expert advice that empowers clients to make informed decisions regarding their financial future.

Our team is committed to excellence, embedding a culture of diligence and care in every aspect of our operations. We encourage professional development through financial industry qualifications to maintain the highest standards of service. Since our establishment in 2001, we have maintained a dependable local presence, consistently offering personalised guidance that reflects our core values: serving and protecting our clients, going above and beyond in service, and managing investments with precision and enthusiasm. We take genuine pride in our work, ensuring that every client experiences attentive, cost-effective management of their finances, underpinned by integrity, expertise, and an unwavering commitment to their long-term financial wellbeing.

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Pensions

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We provide comprehensive guidance on retirement planning, helping clients navigate Personal Pension Plans, SIPPs, Section 32 Buy Out Plans, Group Personal Pensions, and SSAS options. Our advice considers your employment and tax status, supporting collaboration with your Accountant where necessary. We assist in evaluating pension pots, guarantees, and Final Salary Schemes to determine the most suitable retirement strategy. By reviewing income requirements, inflation impact, and tax-free lump sums, we ensure tailored solutions. Various retirement options, including drawdown, conventional and enhanced annuities, and capital-protected products, are assessed based on individual health and circumstances.

Investments

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We provide comprehensive investment services, utilising only regulated products to ensure both client and adviser confidence. In partnership with Elston Portfolio Management, we design and manage model portfolios with global exposure, combining active and passive funds for optimal value. Our discretionary service allows timely fund updates across all client portfolios. Using advanced analytics, we assess risk profiles and deliver tailored investment solutions, supported by detailed portfolio reports and secure online access.

Protection

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We provide tailored advice to ensure your financial protection needs are fully met, allowing you to maintain peace of mind even if you are unable to provide for yourself. Whether you wish to safeguard dependants, cover outstanding debts, or protect your income during ill health, we deliver clear guidance. Our services include private health insurance, critical illness cover, and life assurance solutions. Business owners can also secure their key staff, ensuring continuity and stability. Each recommendation is carefully analysed to suit your individual circumstances and financial objectives.

Tax & Trusts

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Our Tax & Trusts service provides expert guidance in a highly specialised field, often working closely with solicitors to ensure the advice offered is precise and reliable. We assist with a variety of trusts commonly used for inheritance tax planning, clarifying complex allowances such as the main residence relief. We also advise on income and capital gains tax, coordinating with your accountant to deliver a complete wealth management solution.

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