Why is Independent Financial Advice so important.
Financial advice is important to help you achieve your goals whatever they may be.
Why is Independent Financial Advice important? Well one company does not have all the best products and services and it is therefore important to look at the whole of the market to get the best and most suitable solution for you. Add this to the fact that when comparing products and services we are also comparing costs to ensure that we are recommending the best products at the best price. Whilst tied advice from one or a few companies offers you a product which is the best of what they have, it may not be the best available from the whole of the market and may not be at the best price.
Our focus is providing great independent financial advice which is thoroughly researched and tailored to what you want to achieve. Also an investment which is suitable for you now may not be suitable for you as your views change and you progress through life. Ongoing trusted independent financial advice is what we do to make sure that what you have is right for you now and to make sure that it is right for you in the future. Saying this, if you only want advice for a point in the right direction, we can do this, and can provide further advice as and when it is requested.
Get in touch with us to see if we can help. If we cannot improve on what you have we will tell you this. If what you have is great we will tell you this. There is no initial consultation fee to understand what you have and what you need. Fees are only payable if we believe that we can make a difference and you want us to implement this plan. All fees are fully disclosed, agreed and signed for before you proceed.
Complete the contact form below, or email or telephone, and we will be in contact with you to discuss how we can help.
Contact
➤ LOCATION
4th floor, Victoria House, Victoria Road, Chelmsford, Essex CM1 1JR
Click the address for Google Maps directions.
100 yards from Chelmsford Train Station.
200 yards from High Chelmer Multi Storey Car Park. Currently £1.40 for 1 hour, £2,50 for 2 hours. Google Maps direction link:
We have access to meeting rooms in most large towns and cities. If Chelmsford or your home is not appropriate, we can arrange an appointment that is close and convenient for you.
☎ CONTACT
contact@gcifa.co.uk
01245 922080
Calls are recorded for monitoring and training.
“A goal without a plan is just a wish”
Services
Protection
Also called insurance. Whilst often overlooked, this can be the most important part of your financial plan to protect you and your family for the life events that do happen, even when we never want them to happen. With this solid base in place this should give you the peace of mind to then plan for the future no matter what may happen.
Investment & Wealth Planning
We all have dreams that we want to achieve but often for the dreams to be realised we need the finances to allow us to do so. We will work with you to build your wealth to help meet your plans.
Retirement planning
Whilst some plan to never retire most want to either fully retire or at least slow down to have the time to enjoy your life and your family. We will create an individual plan to meet your retirement objectives to give you the reassurance that you can afford your retirement dreams.
*A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interests rates and tax legislation.
Inheritance Tax Planning
40% is a lot of tax to pay on money that you have already paid tax on. Inheritance tax planning is a process where you take advantage of careful planning at every step of the way to make sure that your wealth works for you and eventually goes to the people you care about.
*Taxation advice is not regulated by the Financial Conduct Authority
Equity release (Lifetime mortgages)
The majority of people’s wealth is locked up in their house. As you grow older conventional mortgages are harder to find and lifetime mortgages give you the option to pay off debt, provide an extra income or a lump sum to spend and enjoy in your retirement. In the past lifetime mortgages had high interest rates and were restrictive, this is not the case today. You can select a fixed interest rate for life and the option to pay off the capital borrowed if this is your wish. We can advise you on the best plan available for what you want.
*This is a Lifetime Mortgage, to understand the features and risks ask for a personalised illustration.
Long Term Care PlanninG
A hot topic. Planning is needed here to take advantage of the different options you have to afford the care that you or a loved one may need.
“By failing to prepare you are preparing to fail”