Financial Planning Services in St Albans

Financial Planning is a complex subject, setting strategies, deciphering the jargon, knowing how different products work, how products interact with each other and the long term implications such as taxation and potential changes in legislation, is a full time job and is exactly why there are full time advisers such as ourselves.

Our aim

To provide strategic financial advice. Ours is a personalised service that adopts a comprehensive approach by focusing on all aspects of your finances. We seek to establish long term client relationships and to provide a straight forward plain English financial planning service. We are focussed toward long term client relationships as we believe that this is the most effective way for clients to achieve their financial goals.

Why Choose an Independent Adviser?

Being independent means that we are not tied to any one Company (or Mortgage Lender) and therefore the advice we provide is totally unbiased. Only after discussing your objectives will we research the entire UK market place on your behalf.

These are the areas of your financial planning that I will be able to help you with:

Pensions - Planning your retirement and the level of income required

  • New or existing pension plan
  • Stakeholder pensions
  • Executive pension plans
  • Self invested personal pensions
  • Small self administered schemes
  • Group pension schemes
  • Pension - Flexi Access Drawdown
  • Variable/third way annuities
  • Protected capital/income plans
  • Lifetime/Temporary Annuities

The value of pensions can fall as well as rise. You may get back less than you invested.

Investments – Making best use of your capital & surplus income

  • Expert investment advice
  • Investment bonds
  • Unit trusts
  • ISA & ISA Transfer advice (Individual Savings Account)
  • Inheritance & capital gains tax mitigation
  • Protected capital investments
  • Ethical investments
  • Venture capital trusts
  • Tax efficient investment packages
  • Enterprise investment schemes

The value of investments can fall as well as rise. You may get back less than you invested.

Protection – Ensuring you have appropriate cover for you and your family

  • Life assurance
  • Critical illness protection
  • Income protection insurance
  • Keyman insurance
  • Share purchase assurance
  • Company protection
  • Partnership assurance
  • Mortgage protection
  • Family protection
  • Cash flow planning
  • Whole of life assurance
  • Term assurance

Wealth Preservation - Managing your assets

  • Investing your money
  • Long term care advice
  • Cashflow analysis
  • Inheritance tax mitigation
  • Investment Bonds
  • ISAs/PEPs
  • Unit trusts/OEICS
  • Venture capital trusts
  • Enterprise Investment Schemes
  • Tax efficient investment packages
  • Protected capital investments
  • Wills/Trust planning

The value of investments can fall as well as rise. You may get back less than you invested.

Neither is Chequer Financial Services responsible for, nor does the Financial Conduct Authority regulate advice given with regard to taxation matters

The Financial Conduct Authority does not regulate some tax advice or advice on wills and trusts.

Chequer Financial Services is Authorised and Regulated by the Financial Conduct Authority. Principal Simon Bailey. Reg No 570820

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