Chartered ALIBF
Independent Financial Adviser
Ludlow
I am an Independent Financial Adviser (IFA) and a Chartered Associate of the London Institute of Banking and Finance (Chartered ALIBF). I live close to Ludlow, on the borders of Herefordshire, Shropshire, Worcestershire, and Powys, but my 30 years’ experience in Financial Services means I have clients throughout England and Wales.
As a Chartered IFA, I am qualified to help you with all sorts of financial matters ranging from pensions and retirement (I am a Pension Transfer Specialist), investments, estate planning (I hold the STEP Certificate for Financial Services [Trusts and Estate Planning]), later life issues (I hold the Certificate in Long Term Care and Later Life Planning) and everything in between.
The first step towards successful financial planning is to think about your financial aims; the next step is to think about your attitude towards, and your tolerance, capacity and necessity for, financial risk. This is where I can help. Together we can determine your financial goals and look at how they might be met, we can then look at the interplay of financial risks: this is the foundation of your tailored financial plan.
Cashflow modelling (where we forecast your finances into the future) is a key part of your financial plan and is essential to illuminate the route to your financial goals and gauge your ability to withstand losses. An effective cashflow will show where you are now, where you want to be and show if you’re on track, it can also show the different routes that are worth consideration. Your financial plan can be thought of as a route-map and like all route-maps it should be referred to regularly and may be tweaked and adjusted as unexpected things happen and/or if your goals change.
So, if you’re looking for an IFA in Herefordshire, Shropshire, Worcestershire or Powys please get in touch.
I specialise in the following advice services:
Defined Benefit Transfer Specialist
If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.
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.
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.
Contact Haydn Morgan, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.