A free consultation, without obligation

There are times when it can prove difficult to establish your true financial needs. You may want an independent professional to consider whether or not your finances are in order or to point out if you need to take some action.

We offer a free consultation, of up to an hour in length, to consider your personal circumstances. Our consultation offer is made without any obligation upon you.

Our advisers are available to meet in person, or if you would prefer it is possible to hold a consultation over the telephone.

Specialist advice

In a similar way as the medical profession, there are differences between the manner in which Independent Financial Adivsers operate. Some can be viewed as general practitioners, whilst others choose to specialise on certain areas of advice.

Assisting our clients to plan for their futures, normally requires us to consider all aspects of their financial well being. We are careful to ensure that we highlight any protection needs, investment, pension or tax saving opportunities that exist. This level of service demands the general financial planning skills that we have built up over the years our business has been in operation.

Corporate clients also benefit from the experience we have gained since 1985. Directors, partners, management and staff are advised on employee benefits on an individual basis.

Companies are also advised on investment opportunities whilst minimisimg corporation tax liabilities.

We understand that there are circumstances of financial planning where the expert knowledge of a specialist is required. Listed below are the areas of specialist advice that we provide and details of who you should contact.

Contact		Specialisation		Email
Mr A Colyer-Worsell		Tax Planning for businesses		Crystal Financial		email me
		Key Person Protection
		Group Stakeholder
		Group Protection
		Group Pensions
		Employee Benefits
		Shareholder Protection
		Lump Sum Investments
		Tax planning for Individuals
		Pension Transfers
		Individual Protection
		Pensions (incl Stakeholder)
		Estate Planning
		Pension choices at Retirement
		Pensions (excl Stakeholder)