Vincent Throp

I am a Financial Planning Consultant with over 25 years experience. Throp Financial Planning is the name I trade under. We are proud to be a part of the award winning Openwork Network. Both Vincent Throp Limited and Openwork are regulated by the Financial Conduct Authority. As a 'general practitioner', I give advice across the range of products and services that you would associate with both personal and business financial planning. These 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 dependents and future generations tax efficiently and therefore putting you in control. Investments and Savings - Tax efficient savings and investments for your future needs such as a house move, child's education, financial independence etc * Financial Security - protecting families in the event of loss of income as a consequence of death or illness. Reducing your risks and ensuring that you achieve your goals Mortgage Advice - to reduce mortgage repayment costs, remortgage, relocation, first time buyers - Achieving the best value. You will need to take legal advice before releasing equity from your home as Lifetime Mortgages are not right for everyone. This is a referral service ** 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. Throp Financial Planning is a trading name of Vincent Throp Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. * 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 'Approved by the Openwork Partnership on 13/01/2025' 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 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.