DipPFS
Independent Financial Adviser
Birmingham
I have over 10 years’ experience in the Financial Services industry. My aim is to help clients to preserve or grow their wealth by providing first rate advice in the areas of investments, pensions, wealth management, mortgage finance, insurance, protection and inheritance tax.
I also offer my services to the commercial market and have extensive knowledge around workplace pensions.
I’m committed to delivering better value and choice for my clients, and a service that is unique. I focus on growing and preserving the wealth of individuals, families and businesses. My clients work extremely hard to build their wealth, and I apply the same effort to ensure their wealth grows as efficiently as possible, with the use of effective portfolio and tax planning.
You can rest assured that I will provide you with expert financial advice plus regular reviews and evaluations of your financial plans.
Although most of my clients are from Birmingham and the West Midlands, I do travel to clients and act as an Independent Financial Adviser for clients from Manchester, London, Nottingham and Leicester.
I am based in Birmingham and operate throughout the West Midlands. I have over 10 years’ experience in the Financial Services industry.
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.
Funeral Planning
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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 Sam Kossar, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.