Financial Advice That Puts Your Goals First

Based near Higham, we help local residents and business owners with clear, practical financial advice...

We work closely with individuals, families, and business owners across Higham and beyond to provide clear, personalised financial advice. Whether you're planning for retirement, investing for the future, or protecting your income, we’re here to help guide you every step of the way.

We offer advice on pensions, investments, mortgages, and protection, all tailored to your specific circumstances and long-term goals. As a fully qualified and experienced adviser, I work under a directly authorised firm — giving you the confidence that everything we recommend is compliant, suitable, and designed with your best interests in mind.

Why Work With a Local Adviser?

We provide financial advice to clients across Higham and the surrounding area. Whether you're planning for retirement, managing a recent inheritance, or need guidance on business protection, our local knowledge helps us tailor advice that’s relevant to you.

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🏦 Pension Transfers & Retirement Planning

Planning for retirement isn’t just about saving — it’s about knowing how much you’ll need, when you’ll need it, and how to get there. We help clients in Higham take control of their pensions and build a clear path to financial independence.

We can help you:

Review and consolidate old workplace pensions
Understand your pension options (drawdown, annuity, UFPLS, etc.)
Transfer pensions to more suitable platforms or strategies
Create a personalised retirement income plan
Maximise tax relief on contributions

Whether retirement is five years away or twenty, the right advice today can make a big difference tomorrow.

📊 ISA & Investment Portfolio Management

Whether you're just starting to invest or looking to grow your existing portfolio, we provide clear advice tailored to your goals. We help clients in Higham make informed investment decisions that align with their risk profile and long-term plans.

We can help you:

Make full use of your ISA allowance
Choose between Stocks & Shares ISAs, Junior ISAs, and Lifetime ISAs
Build a diversified investment portfolio
Understand your risk tolerance and investment timeline
Review and rebalance your investments regularly

Our approach is long-term, tax-efficient, and designed to keep your money working hard — without the jargon.

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🛡️ Life Insurance & Income Protection

Protecting your income and your loved ones is the foundation of any strong financial plan. We help individuals and families in Higham put the right cover in place — so that if the unexpected happens, life can carry on financially.

We can help you:

Choose the right type of life cover (level term, decreasing, whole-of-life)
Set up income protection to replace lost earnings if you're unable to work
Add critical illness cover for serious medical diagnoses
Structure your policies tax-efficiently (e.g. relevant life plans for directors)
Place policies in trust to avoid delays or inheritance tax

Good protection gives you peace of mind today — and security for those you care about most.

Who We Work With

Everyone has their own unique goals — whether it’s buying a first home, retiring comfortably, or securing a financial future for their family. We take pride in helping our clients turn those ambitions into reality through clear, practical financial planning.

From mortgage advice and pension planning to investment strategies and tax-efficient solutions, we work with individuals, families, and business owners at every stage of life.

Over the years, we’ve developed particular expertise in supporting: