DipFA
Independent Financial Adviser
Hartlepool
I have been in financial services for over 35 years, giving specific client advice for the last 24 years, and I have previously worked in both Corporate and Retail banking. This wealth of experience helps me to understand the needs and goals of my clients, which allows me to deliver a truly holistic approach to financial planning, tailored to their objectives; now and into the future.
I’m qualified to Chartered level in Later Life Planning and, whilst I specialise in giving advice in this area and to vulnerable clients, my advice covers all areas of wealth management; including investment planning, retirement planning, protection, long term care, inheritance tax and succession planning. I also work closely with other professionals, such as solicitors, accountants and other financial services specialists, to ensure that my clients receive the best ongoing advice available.
Every client has different needs and, with this in mind, I strongly believe that it is essential to build bespoke financial plans which are regularly reviewed, enabling me to provide a source of trusted advice to my clients as their financial requirements evolve over the years.
It is fundamental that I get to know my clients well – and they get to know me – so that we are able to work together and forge long-term relationships which are based on mutual trust and understanding.
I specialise in the following advice services:
Business Protection Planning
The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.
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.
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.
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.
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.
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.
Contact Frances Whittingham, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.