We offer a range of services within our holistic financial planning to help you reach your goals and create a secure financial future, from saving for the first time to planning your retirement.
Personal & Family Protection
We utilise tools such as cash flow forecasting to help you identify and create your personal life and financial goals to formulate a detailed, personalised financial plan. Financial planning advice will help you achieve your financial goals, protect and grow your wealth, and secure your financial future. This information can help us establish which areas you need specific advice in, and we will closely monitor your financial plan over many years via our regular reviews.
Financial Planning
Our goal is to assure you and your family that you will be financially secure no matter what challenges arise. We will assess your current protection planning and workplace benefits to create a plan that works for you.
Retirement Planning
Whether you are at retirement and deciding how to draw your benefits or picturing what lifestyle you would like in 30 years, we can work with you to ensure you’re making the right decisions to meet your individual retirement goals. Your adviser will tie this in with your overall financial plan and risk appetite to provide a personalised solution.
Investment & Wealth Management
In addition to considering and advising on matters such as Inheritance Tax, we work with estate planners and other professionals to ensure that your wealth will be protected in the present and for future generations.
We have many years of experience managing investments for our clients. Our fundamental view is that regular reviews and low-cost investing are key, with access to the market at an appropriate risk level being a priority to help meet your long-term investment goals.
We offer risk-aligned investment strategies for individuals, businesses, and Trustees, regardless of whether their priorities are growth, income, or ethical investment. These strategies can help them meet their short-, medium—and long-term goals.
Our Specialist Services
We offer specialist services for people struggling with…
Infected Blood Enquire Financial Planning Advice
Infected Blood Enquire
Financial Planning Advice
- Our goal is to help you understand the process and what may be due to you from the IBCS.
- Help identify and manage potential Inheritance Tax concerns that arise through the scheme, particularly involving money paid to the estates of deceased infected persons.
- Income vs. Lump Sum: Our cash flow software shows you which option suits your circumstances.
- Working with a financial adviser who is a Haemophiliac whose family have been affected by contaminated blood.
Financial Advice for People with Bleeding Disorders
Financial Advice for People
with Bleeding Disorders
- As a recommended adviser by The Haemophilia Society, we assist those with bleeding disorders in applying for the most appropriate life assurance, critical illness cover, and other personal and business protection.
- Some life assurance companies take a more pragmatic approach to insuring those with bleeding disorders. We have access to medical underwriters to discuss your case before an application.
- Those who have been infected with HIV and Hepatitis can be treated very differently by different insurance companies when applying for coverage. We can help navigate this for you and help you apply for insurance that you have a better chance of getting approved for.
People Affected by Infertility / IVF
People Affected by
Infertility / IVF
- Sam and his wife have been through an IVF journey over many years and have seen friends and clients struggle with infertility and child loss. This can have a significant impact on mental health as well as financial well-being.
- Sam and the Factor team proudly offer planning support to clients going through their fertility journey.
- IVF and surrogacy planning – We can help forecast the cost of treatment, time off work and the impact on your overall finances now and in the future to help you decide what is affordable in the present and what you might need to save for the future.
Sports and Media Professionals
Sports and
Media Professionals
- We look after many clients who work in professional sports and the media. We have strong links with sports and media accountants, concierge services, lawyers, and property managers who help us support you and provide a holistic service for all stages of your career and life.
- We will also work closely with your existing professional services and agents as required.
- We can create a bespoke financial plan to help you identify goals and prioritise how much to set aside to meet them. We will also consider protecting you and your income should something impact your plans.
