Independent Financial Adviser, CeMAP, DipPFS and Cert (ER)
Independent Financial Adviser
Bedford
I am a fully independent financial adviser at Abacus Associates based in Clophill (near Flitwick, Bedford and Milton Keynes) with over 15 years’ experience of delivering professional advice to both personal and corporate clients.
I provide jargon-free financial advice focusing on building and protecting the wealth and financial health of my clients. My independent status means I can offer advice on all aspects of financial planning using products from across the whole market. Be it mortgages, personal and corporate financial planning to insurances and beyond.
My key areas of expertise include investment and wealth management, pension and retirement planning, lifetime and later life planning, wills, power of attorney and both personal and business protection. I provide mortgage and protection advice, general insurance advice and lifetime mortgage services (equity Release) I put my clients at the heart of everything I do ensuring that I operate with the highest level of integrity and transparency.
I am passionate about helping my clients understand their options and enjoy demystifying some of the more complex areas that some may find daunting. One of the most satisfying parts of the job for me are when reviewing self-assessment tax returns and seeing the impact of our advice on how much more tax efficient they are compared to previous returns.
In providing a bespoke recommendation and through an excellent ongoing service, I am committed to a successful long-term relationship with my clients, guiding them through the many different lifetime events that most all of us experience, some inevitable, and others unexpected, and helping them achieve their aspirations and goals. A genuine and qualified person to guide through each stage of your life and even onwards to support your legacy and family needs in future.
I specialise in the following advice services:
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Wills & Power of Attorney
Making a Will is essential to ensuring that your wealth benefits those whom you choose and is not taken by taxation, unnecessary legal costs and beneficiaries chosen by the law.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Equity Release
Equity release is a way for homeowners over the age of 55 to release value from their home in the form of cash without having to sell or move.
Home & Contents Insurance
The largest and most important purchase most of us will ever make in our lifetime is our own home.
Business Protection Planning
The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.
Mortgage Planning
Securing the right mortgage can make the difference between a property that becomes a happy and secure family home and one that ends up as a financial burden.
Contact Caleb White, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.