Vincent Throp

I am a Financial Planning Consultant with over 30 years experience. We are Independent Financial Advisers and are regulated by the Financial Conduct Authority (FCA). We offer advice on a wide range of products and services which include: Pension and Retirement Planning - helping clients work towards achieving the required funds for their retirement with the control and flexibility of access they need. Ensuring that their Pension Funds will pass to dependants and future generations tax efficiently and therefore putting you in control. A pension is a long term investment not normally accessible until age 55 (57 from April 2028). Investments and Savings - Tax efficient savings and investments for your future needs such as a house move, child's education, financial independence etc The value of any investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Financial Security - protecting families in the event of loss of income as a consequence of death, illness, unemployment. Reducing your risks and ensuring that you achieve your goals Financial Protection policies typically have no cash in value at any time and cover will cease at the end of the term, if premiums stop, the cover will lapse Mortgage Advice - to reduce mortgage repayment costs, re-mortgage, relocation, first time buyers - Achieving the best value As a mortgage is secured against property, it could be repossessed if you do not keep up the mortgage repayments. Estate Planning (Inheritance Tax) - passing wealth tax efficiently to future generations - Why pay more tax than you need to We provide trusted face to face financial planning advice for both individual and corporate clients. Our philosophy is to build long term relationships based on mutual trust and openness. As your aspirations evolve throughout your life, so should your financial plan and needs, and we will be on hand to review and advise you throughout your working life and beyond. * The value of investments and any income from investments can rise as well as fall and you may not get back the original amount invested. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen ** YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE