DipFA
Independent Financial Adviser
Solihull
I am an Independent Financial Adviser based in Solihull with many years’ experience of providing advice for investments, pensions and protection to help you achieve your financial goals and have peace of mind.
Protection includes taking steps to provide funds for your family if unable to work due to critical illness (CI) or to ensure your family are provided for in the event of your death.
We offer investments tailored to suit your needs and these can be provided in different tax wrappers including ISAs, General Investment Accounts (GIA), Investment Bonds both offshore and onshore. We provide diversification of investments funds whether just starting out and you require a simple solution to working with Discretionary Fund Managers (DFM) that provide a Managed Portfolio Service (MPS) or full bespoke service with your own dedicated investment manager.
Whatever your situation on the journey to retirement we can provide advice whether saving in a pension for retirement or deciding about when to retire and how to turn your pension savings in to an income at retirement. We can provide independent annuity quotes from the whole of the market and advise you on your flexible retirement options such as pension income drawdown and your tax-free cash options.
I provide specialist estate planning and inheritance tax mitigation and provision including taking will instructions. My clients have benefited from estate planning including gift and loan trusts and Business Property Relief (BPR) via AIM shares and more specialist investments that qualify for relief such as forestry, agriculture and leasing.
I provide full holistic advice to include Lasting Powers of Attorney and funeral plans.
We provide a full ongoing service or can provide advice on transactional basis to suit your current situation.
Although I am based in Solihull, I do provide advice to my clients wherever their life takes them mainly working throughout the Midlands and Wales with clients from Derbyshire to Bedfordshire in the east and Shropshire to Ceredigion in the west.
I specialise in the following advice services:
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 John Lavender, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.