Roger Milbourn

I am your local Aspirations Financial Advice Ltd adviser with over 15 years experience in Financial Services. Happy to travel to see you for our first face to face appointment. Qualifications Include: Pension Transfer Specialist (AwPETR) Diploma in Financial Planning (DipFA) Investment Advice Diploma (IAD) As an Independent Financial Adviser, Pension Transfer Specialist and Investment Manager I place great emphasis on building long-term relationships and plan to advise my clients well into their own retirement. Please contact me with any questions and I will do my best to respond straight away. Thanks for taking the time to find out more about me, I appreciate your interest. During our first meeting you can find out more about the service I offer and determine whether the Aspirations proposition matches with your expectations which includes: Retirement Planning Retirement advice covers many areas such as setting up a pension, pension contributions and forecasting calculations, investment performance reviews, consolidation and transfer analysis to include occupational schemes, deciding when to retire, open market option annuities, income drawdown and phased retirement. Tax Planning Investing tax efficiently by utilising allowances, transferring assets to the lowest rate taxpayer and using tax efficient investments for example ISAs, Pensions and Offshore Bonds, plus higher risk Enterprise Investment Schemes and Venture Capital Trusts. Investment Advice Once the appropriate investment vehicles have been identified, bespoke portfolios are then created based on your expectations, requirements and attitude to risk whilst being monitored carefully alongside regular client reviews. Our investment advice proposition centres around our in-house proprietary investment research systems and portfolio management. School Fees Planning Using our lifestyle reporting tools we can work with you to create a savings and investment school fees plan to help you provide private education for your children. Financial Protection Helping you to preserve your income and protect your assets, financial protection needs focus on Life Insurance, Permanent Health Insurance and Critical Illness Insurance. Following on from an assessment of your current financial position, a budget can be agreed upon in order for the most suitable protection policies to be identified. Inheritance Tax Planning At a basic level, a will should be in place and allowances should be used for any gifts. On a more complicated level, Trusts and Discounted Gift Plans can be utilised. You may also want to consider Life Assurance to cover any potential inheritance tax liability or investments which provide tax relief. SUITABLE CLIENT PROFILES At or Nearing Retirement Lifestyle Planners including Retirement, School Fees, Savings & Investments Investors seeking a unique Wealth Management proposition Divorcee or Surviving Spouse Directors