Benefit Solutions

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Financial Planning

Helping you understand where you are, where you want to go and what your money needs to do.

Financial Planning Services

Financial planning starts with your life, not with a pension, investment or financial product.

We take time to understand what matters to you, the future you would like to create and any concerns that could prevent you from enjoying it. We then help you bring the different parts of your finances together in one clear, practical plan.

That may involve retirement, pensions, investments, tax planning, protecting your family, supporting children or grandchildren, planning for later life or deciding how much you can afford to spend or give away.

The purpose is not simply to accumulate more money. It is to use the resources you have to give you greater choice and confidence about the future.

How Wingate can help you with your financial goals

How much is enough?

Many people come to us with substantial pensions, investments, property or business assets, but remain uncertain about what those resources allow them to do.

You may be asking:

Can I afford to retire, or work less?
How much can I safely spend?
Am I making the best use of my pensions and investments?
Can I help my family without putting my own future at risk?
What would happen if markets fell, inflation remained high or I needed care?
Am I paying more tax than necessary?
Is my financial plan still on track?

We use lifetime cashflow planning to bring your income, expenditure, assets and future goals together. We can then model different choices and test how your plan might respond to changing circumstances.

These projections are not guarantees. They are a way of making better-informed decisions and understanding which factors matter most.

A plan built around you

Depending on your circumstances, your financial plan may cover:

retirement and pension planning;
investment and wealth management;
tax-efficient use of pensions, ISAs and other allowances;
inheritance tax and estate planning;
protection for you, your family or your business;
later-life and care fees planning;
trusts and family wealth; and
financial planning for business owners.

We identify the priorities, explain your options and recommend the actions we believe are appropriate. We can then implement the agreed plan and keep it under review.

Request a Consultation

Financial planning is an ongoing process

Your circumstances, goals, tax rules and investment markets will change. The assumptions used in your original plan will also differ from what eventually happens.

Our ongoing service allows us to review your progress, update the plan and recommend changes when needed. It also gives you someone to speak to when a new decision or unexpected event arises.

Our Approach

Our financial planning process has five stages:

Discovery

We listen and develop a clear understanding of you, your family, your finances and your priorities.

Enlightenment

We use cashflow planning and other analysis to help you understand your current position and the choices available.

Navigation

We identify priorities, consider the available options and make clear recommendations.

Implementation

We help put the agreed plan into effect, working with your other professional advisers where appropriate.

Control

We regularly review your plan and investments, making adjustments as your life and the world around you change.

Are you ready to make informed decisions about your money?

Speak to a Chartered Financial Planner

Wingate is an independent firm of Chartered Financial Planners based in Caterham, Surrey.

Our initial conversation is held at our cost and gives us both the opportunity to decide whether working together is likely to be valuable.

Contact us to arrange an initial conversation.