GIFP

Our Services

We can advise you on:

ISA / Unit Trusts / OEICsOEICs 
Offshore investmentsSocially responsible investments 
Unit trusts 

Are investments a sensible use of money?

The short answer is yes, if considered carefully with thought into an investment strategy.

 

Investing can be tremendously beneficial but the value of your investment can go down as well as up, due to inflation. We know that you want the best return on your hard-earned money, so we can advise on the most secure investments to provide the best value for money.

 

There are many considerations when it comes to investing your money and it is a complex process. As well as there being an overwhelming range of retail investment opportunities available, the current market also presents a number of challenges.

 

Our specialist investment advisors will guide you through a four-stage process for creating an investment strategy.

 

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

 

Fact Finding & Goal Planning

  • Establish your goals, objectives and timeframes
  • Analyse your assets, liabilities and personal tax situations
  • Establish target income and capital requirements
  • Determine any specific requirements, such as ethical considerations

Attitude to Risk & Asset Allocation

  • Complete risk profiling
  • Assess your capacity for loss
  • Discuss the volatility of different investment assets
  • Source suitable funds or assets to generate the expected or desired return

Tax Wrapper/Product & Fund Research & Monitoring

  • Pension, ISA, OEIC, UT, bonds, EIS, structured product
  • Investment fund selection via an agreed investment mandate

Review Process

  • Continually monitor the investment recommendations against your attitude to risk and capacity for loss
  • Conduct complete evaluations of all of our recommended funds on a regular basis
  • Rebalance assets to fit allocation model to maintain expected return
  • Conduct regular face to face reviews

Book a consultation

Start your journey with GIFP. Call us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

We can advise you on:

Annuity purchasePensions and retirement planning 
Auto enrolmentPensions review 
Pension consolidationPensions transfer 
Pension drawdownSIPPS 
Pensions and divorceStakeholder

Pensions schemes explained

In simple terms, a pension scheme is a long-term savings plan, that allows you to save for retirement. When you reach an age where you no longer want to work, you can benefit from a regular income if you have put a proportion of your wage into a pension scheme throughout your working life. The earlier you start saving, the more money you will have to enjoy during retirement.

 

Pension schemes can be a very effective saving method as they have the advantage of more favourable tax treatment than other types of saving. There are generally two forms of pension schemes:

 

    • Schemes accessible through your employer
    • Private schemes you can set up yourself

These are not exclusive, so you can have both a scheme with your employer and a private scheme, as well as other saving options, such as ISAs.

 

If you are at the stage where you are able to access your pension, we can also advise on a few different options so you access your pension in the most beneficial way.

 

To ensure you can live the life you wish in retirement, careful financial planning is needed. Our specialists can guide your first steps into saving, right through to your decision to retire.

 

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

 

Starting Out

It is essential that while you are working, your savings and pension are planned to perform effectively for your needs. We can help with answers to your questions about pensions, which may include:

 

  • How much should I be saving?
  • What are my tax relief entitlements?
  • Can I transfer previous pensions, and how do I do that?
  • Which complementary investments could I consider?

Retirement Preparation

When you are ready to think about retiring, we can also help with your questions:

 

  • At what point can I safely afford to retire?
  • What income can I expect to receive after retirement?
  • Can existing pensions be combined?

We can help you to prepare for all eventualities, including changes in the financial market, changes in your health and any other personal situations that may affect your pension.

 

Retirement Options

Through our discussions with you, you will have a thorough understanding of your retirement options, but we will be there at each stage to offer advice and guidance. Together, we can help you to make informed decisions with confidence.

 

You may have Final Salary pension benefits to consider, and we will spend time assessing the best options for you.

 

Book a consultation

Start your journey with GIFP by calling us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

Pension consolidation advice

Understanding pension consolidation

Understanding pension consolidation can be a complex process, so this is where our pensions specialists can help. Our trusted advisers can answer any questions you may have, such as:

 

  • What is pension consolidation?
  • Do I need to consolidate mine?

Over their working life, some people gather multiple pensions, including personal and previous company pensions. If they have not been paid into for some time, many believe they are ‘frozen’ and are sometimes disregarded. However, these pensions are preserved, and require consistent review, so consolidating these pension plans can often be the best step to take. You may benefit from improved charging structures and achieve significant long-term savings overall. However, transferring isn’t always the decision if it risks the loss of beneficial features and guarantees that are no longer available.

 

We provide tailored advice in every pension consolidation case, so it leads to the best long-term outcomes for each individual. Because we know you and your circumstances, through the relationship we have established, we can help with answers to your questions, which may inlcude:

 

  • Is pension consolidation the right move for me?
  • How do I transfer my pensions?
  • What are the pitfalls to be aware of?
  • Can you explain pension scheme charges?

We aim to simplify pension consolidation by offering straightforward advice. We provide you with a personal report, specifying the key benefits and features of your plans, with recommendations on how to proceed.

 

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

 

Book a consultation

Start your journey with GIFP by calling us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

Supporting our Corporate Clients

Effective financial planning in business is essential to a company’s growth and the impact on its people. We deliver tailored expert advice to our corporate clients by developing long-term relationships so we know what is important on an ongoing basis.

We specialise in three key areas:

 

Protecting Your Business

As an employer, have you considered what would happen in the event of death or illness to any of your key employees? What would happen to your business?

 

Business protection plans are there for your company’s security, to cover such unforeseen circumstances. They include:

 

  • Share protection policy
  • Critical illness cover
  • Whole life policy
  • Term assurance

Our experienced business advisors can help you make an informed decision about which protection policies are required for your company.

 

Employee Benefits

Taking care of your employees is essential for staff retainment and there are additional benefits you can offer to your staff, including:

 

  • Private medical insurance
  • Death in service cover
  • Group critical illness cover

Our financial advisers can discuss option with you, to establish the right fit for your company and its employees.

 

Pension Schemes

All UK employers are now required to offer workplace pensions to employees aged between 22 and the state pension age, providing they earn above a certain amount, and to make pension contributions for their employees.

 

You may already have a pension scheme set up, in which case we can assess whether it needs revising, or if you don’t have one in place, we can provide recommendations on the most suitable scheme.

 

We can also provide additional support with pension planning, including investment advice and supporting your administration staff with implementation of the scheme.

 

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

 

Book a consultation

Start your journey with GIFP by calling us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

We can advise you on:

Accident and sicknessIncome protection insurance 
Buildings and contentsLife insurance 
Critical illnessPayment protection insurance 
Home and leisureSmall business

Insurance and Protection

Insurance is an important part of planning for your future. Whilst no one likes to think about negative things that might happen, it is a risk to leave yourself unprotected, so we encourage clients to be prepared for any eventuality.

 

Various factors outside of your control can affect your financial plans, such as illness or unemployment. During these times, if uninsured, you may have to use some of your hard-earned savings, which you were keeping for longer term plans. And if you are no longer in a position to make regular contributions towards your pension, the future can become quite uncertain.

 

Everyone will need different types of insurance throughout their lifetime, and in general, there are four key areas of personal protection cover:

 

  • Life cover
  • Accident, sickness, and unemployment cover
  • Critical Illness cover
  • Income protection

Protection plans are there to make money available to you when you need it and your cover can be affected by:

 

  • Age
  • Financial circumstances
  • Income
  • Children

We understand how important it is to protect yourself and your family so our trusted advisers will discuss the right cover for you. We will invest time in ascertaining your personal requirements and budget, so we can make the best recommendations to ensure you and your family are protected.

 

Book a consultation

Start your journey with GIFP by calling us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

We can advise you on:

Building your homeBad credit 
Buying your first homeFlexible mortgages 
Buying your next homeHigh loan to value 
Next home / remortgagingRight to buy 
Buy to letSelf employment mortgages 
Buying commercial property 

Impartial, Expert Mortgage Advice

It is an exciting time, when you are ready to buy your first home or take your next step on the property ladder, so we know you don’t want to feel overwhelmed by the complexity of finding the right mortgage. So our expert mortgage brokers and specialist financial advisers want to make life easier for you by getting you the best deal and assisting with a smooth move.

 

Instructing a mortgage broker can have various advantages:

 

Impartial Advice

Our brokers work independently so their priority is your best interest. They have no commitments to particular estate agents or any other party involved in the transaction.

 

Product Expertise

Mortgage products often have small differences that aren’t common consumer knowledge. The lowest rate option may look the most attractive, but the detail may mean it is not the best product for you. Our expert brokers offer straightforward advice to find the best product for you, to achieve long term savings.

 

Solid Experience

Brokers with many years of experience have dealt with a host of mortgage challenges so are best placed to advise you on your situation. They will keep you informed of loopholes or legal constraints that may cause delays, provide valuable negotiation advice and advise on properties that are not the best investment.

 

Peace of Mind

All of the above combined aim to make purchasing your property as stress-free as possible. You can feel safe in the knowledge that your broker is experienced, skilled and has extensive industry knowledge to get the best outcome for you.

 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. 

 

There will be a fee for the mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495.

 

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

 

Book a consultation

Start your journey with GIFP. Call us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

Managing Your Tax

Around 30 million UK people pay more tax than they need to, according to  recent research by the IFS. We help our clients avoid unnecessary taxes by investing time in our knowledge and technical capabilities.

 

Our advisers will help you to understand the range of tax-efficient investments and government schemes, and how you can make the most of them. We can also help you to mitigate your tax liability, through collaboration with specialist accountants and tax advisers, providing advice that could help you throughout your working life and beyond.

 

Not all areas of Tax Planning are regulated by the Financial Conduct Authority.

 

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

 

Book a consultation

Start your journey with GIFP. Call us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.

Planning for the Future

Having a will makes life easier for those left behind. It isn’t a topic we like to think about but planning your finances for the time when you are no longer around is incredibly important.

 

Irrespective of the size of estate you may leave, your plans for its distribution need to be formalised, because without this, it may cause more distress to your loved ones at a very difficult time.

 

Estate planning can be a simple process and it ensures that your assets will go to your chosen family/friends. Our process for wills and estate planning involves:

 

  1. Working with solicitors to guarantee an accurately drafted will that states the intended distribution of assets upon your death.
  2. Advising you on the appropriate strategies to use for planning all aspects of inheritance.

Not all areas of Estate Planning are regulated by the Financial Conduct Authority.

 

Inheritance Tax Planning

It is important to understand what would happen if you chose to do no inheritance tax planning, as this often drives clients to get their affairs in order. Plans can be modified in the event of any changes in situation so the plan being fixed is not a concern.

 

After learning about your circumstances, we will create a tailored plan, usually featuring a combination of approaches. This will take into account factors such as:

 

  • Gifting
  • Insurance
  • Investment
  • Equity Release

Your tailored plan will be based on aspects of your individual circumstances such as:

 

  • Age
  • Dependents
  • Marital status
  • Health status
  • Financial circumstances
  • Potential for future income

Equity Release mortgages are complex products. To understand the features and risks, ask for a personalised illustration.

 

Book a consultation

Start your journey with GIFP. Call us on 01686 623975 to book your first consultation, free of charge.

Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary.