Andrew Conway

Asking your plumber to make sure the pipes they installed are water tight seems ridiculous; well this is how I feel when financial advisers talk about being tax efficiency or achieving 'good' returns for their clients. It’s the bare minimum you should expect. I try to identify what my clients are saving for, and ensure that their assets and their ambitions match. I have helped clients save for their dream home by the water, provide incomes for dependant children and adults, helped people retire years before they thought possible, all through discussion of what is important to them – never through preaching that their investments are tax efficient. I put your objectives first, planning your finances around them. Goal based financial planning; regardless of how much or little you have to begin with. We (you and I) can design a long term, evidence & goal-based plan, tailored to you and your family. I've worked in Financial services since I was 18, I studied economics and finance at university to Ba(Hons) level, and I have been a qualified financial adviser since 2014. I can help answer questions you may have, such as: ✔️How safe are your investments? ✔️How long will your pensions last? ✔️What’s in your pension funds?✔️How much risk are you taking?✔️How will current events, like COVID, the energy crisis, Ukraine/Russia conflict, affect your plans? I am an Independent Financial Adviser with One Financial Solutions Ltd. ✅ Pensions ✅ Investments ✅ Tax Planning ✅ Client Service ✅ Cash Flow Modelling ✅ Personal Life & Illness Insurances ✅ Pensions ► You want clarity ► You don’t feel comfortable with how it all works • I can help with company & personal pensions • I can help with complex pension options drawdown, lifetime allowance & annual allowance • I can help you plan to retire early ✅ Investments ► You don’t feel comfortable with how your pensions & investments really work ► You’re fed up hearing jargon ► You want to know what you actually have, how your monies are invested & what your options are • I can help you look “under the bonnet” & help you understand how it all works what the risks are & what your options are • Giving you access to the most suitable strategy for you. From “active” to “bottom-up” & “top-down” investment strategies • I can help to adapt your plans & strategy over time ✅ Tax ► You don’t feel you are making full use of all your valuable tax allowances •I can help with personal allowances capital gains tax allowances inheritance tax ✅ Client Service ► You don’t feel you’re being looked after & kept up to date • Our relationship starts when you decide to invest • From day one we will discuss & agree your servicing requirements • Holding regular face-to-face meetings & putting you at the centre of everything we do • Giving you clarity & transparency & keeping you up to date with how your money is being managed ✅ Cash Flow Modelling ► You want to make your plans coherent ► You want to match your assets to your ambitions ► You want to quantify and fix any shortfalls ► You want to assess & appraise your current situation and review & adapt regularly • I can help you make sense of your financial, appraise them, and keep then under review and on track Get help with setting up auto enrolment as an employer or get a better understanding of an auto enrolment scheme you are signed up to as an employee. Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help to understand the best level of life, critical illness and income cover for you. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with understanding the options you have to fund yours or a loved one's long term care. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.