Independent financial adviser in Milton Keynes
Our office is in Ampthill, thirteen miles east of Milton Keynes and about twenty five minutes by road. Come to us, or we will come to you.
A city of workplace pensions
Milton Keynes is the only place we cover outside Bedfordshire, and the advice looks least like the advice we give closer to home. A city designated in 1967 has fewer thirty year careers in it and more workplace pensions from a series of employers, and the questions those raise are largely about choices. Where is the money invested, what is it costing you, how much are you putting in, and was any of that a decision anyone actually made rather than a default nobody changed.
Adding them up
Milton Keynes has a lot of large employers within a small area, and people move between them. It is entirely normal to arrive in your fifties with four or five pots, none of them large, and no clear sense of the total. The first useful thing we do is simply add them up. After that we can talk about whether consolidating helps, and be straightforward when one of them is better left alone.
Bonuses, shares and money that arrives unevenly
If a meaningful part of what you earn comes as a bonus or in shares in the company you work for, your planning problem is not a salaried employee’s. Income arrives in lumps, and a great deal of your wealth may be tied to the fortunes of the employer who also pays you. Spreading that risk without giving up the benefit is a real piece of work, and worth doing deliberately.
The Financial Conduct Authority do not regulate tax planning.
The first generation to have this conversation
Because the city is young, a lot of Milton Keynes families are reaching the point where inheritance tax matters for the first time, with no previous generation who has been through it. The rules are not intuitive. It is a solvable problem, and there is usually more room to act than people expect, especially early.
The Financial Conduct Authority do not regulate estate planning.
Getting started
The first meeting is free of charge and commits you to nothing. Ring the office or send a message, and we will meet you here, at home, or by video.
Your questions, answered
If you’re looking for a financial adviser in Milton Keynes, you probably have questions. Here are answers to three of the most common ones we hear from local clients.
Do you offer independent financial advice?
Yes, we are fully independent financial advisers, which means we have access to the whole of the market to make our recommendations.
Do I have to pay for an initial meeting?
We offer potential new clients an initial consultation at no charge.
Where are face-to-face meetings held?
We are happy to hold meetings where you feel most comfortable. You are welcome to come to the office, or we can visit you at home or another suitable location. We also offer video calls or standard phone calls if it’s more convenient.