Paul McFarlane

07736 932850 | paul.mcfarlane@2plan.com Please enjoy a brew while you have a read... Having started my journey to becoming a great financial planner in 2001, I like to think I know a thing or two about what it takes to help my clients achieve more with their money. Becoming great at what I do is a combination of working hard, with a helping hand from some of the finest advisors in the UK, and working closely with my clients, getting to know about them, their families, even their pets! Sure i’ve spent endless hours sitting exam after exam to obtain my qualifications, but becoming a great financial planner is about providing that personal touch. My clients know all about my family. All my family play a big part in my life and I'm proud of that. Hayley and Beatrix are my world and my clients often hear about, or get to see them, as I like to encourage them to meet where possible. My work life and home life are important to me, so why not work whilst having a little fun along the way! My particular expertise is helping you plan for a smooth transition from work to retirement, and enjoying a happy lifestyle with your money working hard for you. Areas I can help advise you on include: Planning and Cash flow, for the future to help make sure you have the money you need later on for all those essential ones offs and exciting experiences. Investment and Retirement advice - Advise you how to invest your money to work hard for you long term, with the help of low cost investment solutions, including: - Sustainable Investments - Environmental, Social, and Governance (ESG), and Socially Responsible Investing (SRI) - Index Tracker investments - Focused on low-cost global options, with investment tools such as automatic rebalancing, to help harvest and improve growth opportunities. Mortgage borrowing - Raising or Releasing cash from property, to help you buy, sell, rent, or to simply help you find the money you need for something important. Personal or Business Insurance - Protecting your loved ones, interests, and you in case the worst happens. If you are looking for a Great Financial Planner, who cares about the people he works with, who wants to offer a helping hand and experience the journey with you, then I would love to hear from you. ... must be time for another brew! paul.mcfarlane@2plan.com | 07736 932850 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 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 everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. 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.