Comprehensive Financial Advice in Newcastle Under Lyme & Stoke on Trent

At Giliker Flynn Independent Wealth Ltd, we specialise in providing impartial financial advice in Newcastle Under Lyme and the surrounding Stoke on Trent area. With more than 10 years industry expertise and experience behind us, we can provide you with bespoke advice in the following areas:

About the company

We offer financial advice in the following areas:

  • Helping clients to prepare for retirement by providing advice on the best methods of generating your pension income using existing pensions and investments
  • Reviewing existing pension plans whether they are current, old or ‘frozen’
  • Defined benefit ‘Final Salary’ pension analysis and transfers
  • Savings and investment advice for the medium to long term
  • Tax planning utilising investments and pensions
  • Pensions on divorce using Pension Sharing orders
  • Residential and Buy to Let mortgages
  • Life assurance and family protection
  • Lifestyle protection needs including sickness and illness cover

The basic steps of our financial planning process are as follows:

  • Free initial consultation
  • Agreeing and ascertaining your objectives
  • Putting together a financial plan
  • Implementation of recommendations
  • Ongoing reviews

Investment Advice in Newcastle under Lyme & Stoke on TrentIs your money working for you?

Savings and investments differ in the sense that the former is more of a short term ‘rainy day fund’ with easy access. Investments however, should be made with a medium to long term view (at least 5 years). Investments should only be made after you have set aside a reasonable level of savings for an emergency fund.

Most investments are not guaranteed to return your money, but can offer the potential to increase your initial capital over the long term. Returns, risk and volatility are all factors that determine a suitable place for your long term savings. At Giliker Flynn Independent Wealth Ltd, we can provide you with impartial investment advice in Stoke on Trent, follow the link below to find out more.

Pension advice in Newcastle under Lyme & Stoke on TrentPlanning for your retirement

Many people inevitably find themselves ‘living for today’ and not saving extra money for later years in life. With the new state pension at around £155 a week, this will only provide a single person with £670 a month. Assuming there is no debt in retirement, the average cost of living is now around £10,000 in the UK (Money advice service). This includes fixed bills and food costs. Using these statistics, if there has been no additional saving into a personal or occupational pension, you may be facing a shortfall in retirement. If you're concerned that this will affect you, speak to our team today for friendly, professional and fully independent pension advice in Stoke on Trent and Newcastle under Lyme. Working with you, we can make planning for the future easy and manageable.

Retirement Advice in Newcastle under Lyme & Stoke on TrentEasing into Retirement

Pension Freedom and Flexible Retirement Plans
Since 2015 the way in which you can take your pension has changed. Whereas traditionally, pension holders would draw a 25% lump sum and receive a regular monthly income with the rest of the fund, either via an annuity or income drawdown, the options have opened up significantly. You now have several methods of drawing your personal pension in retirement.

Protecting yourself and loved ones Mortgages and Life assurance in Newcastle under Lyme & Stoke on Trent

We offer independent mortgage advice and aim to find the best mortgage deal for you. Whether you are a first time buyer, a home mover, you need to remortgage, or you are buying a second home/ rental property, we can help you to meet all of your needs. Your first appointment is completely free of charge, and we offer a free search that wont affect your credit score.

Our advisers also offer financial advice on all aspects of life assurance to ensure that liabilities and loved ones are properly catered for should the worst happen. We will advise on the best types of policy and whether or not it should be set up in trust. We will further ensure that all policies remain competitive and relevant by regularly reviewing the contracts in line with your changing situation and circumstances.