DipPFS
Independent Financial Adviser
Wales
I am based in Monmouth and provide Independent Financial Advice on Pensions, Pre and Post Retirement, Investments and Inheritance Tax Planning throughout Monmouthshire and the surrounding counties. I started in the industry in 2008 and am a member of the Personal Finance Society.
My role is to help you meet your financial and life objectives, I achieve this by using a holistic approach and providing a bespoke advice service. I pride myself on excellent customer service and take the time explain my advice in a jargon free and clear way so that my clients fully understand the solutions we agree. I believe in providing an ongoing service to make sure you are kept up to date on any legislative or market changes and I’m kept abreast with any changes in your individual circumstances. This allows me to make sure we are still on target to meet your objectives.
I am able to provide advice on Pensions, Pre and Post Retirement, Investments and Inheritance Tax Planning. I also provide advice on Protection (Personal and Business), this includes Life Cover, Critical Illness Cover, Income protection, Key Man and Relevant Life.
Although I live in Monmouth, I also cover Hereford, Gloucester, Forest of Dean, Newport, Cardiff, Bristol, Abergavenny and Worcester. Abacus Associates are based in Hereford.
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.
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.
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.
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.
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.
Contact Phil Buttle, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.