We provide a broad range of services to our clients ranging from more conventional financial planning to creating refined solutions in a clear and simple manner.

Key Services

  • Consolidation of paid up pensions
  • Pension contribution advice including carry forward
  • Tailored investment strategy
  • Death benefit and intergenerational planning
  • Ongoing support through accumulation phase

The creation of a suitable strategy to accumulate wealth and plan for retirement which is tailored to the individuals’ needs.

  • The generation of tax efficient income through
  • Assessment of multiple tax-wrappers
  • Death benefit and intergenerational planning

Ensure individuals draw income to meet their annual expenditure through the most efficient manner.

  • Analysis of current pension which provides a guaranteed
    income for life
  • Advice regarding the suitability of transferring the
    pension to a flexible, modern arrangement

Cash Equivalent Transfer Values may be attractive and offer tremendous flexibility for income and inheritance planning both pre- and post-retirement.

Many individuals are unaware of the value they are sitting on.

  • Across a wide range of tax wrappers including pensions,
    ISA, offshore bonds, taxable portfolios, trusts (trusts are not regulated by the FCA)
  • Implementation and administration of strategy

The implementation of a tailored and actively managed portfolio suitable for the individual’s needs and objectives.

  • Analysis of existing arrangements with Discretionary Fund
    Managers (DFMs would only be recommended where suitable for individual clients needs)
  • Across a wide range of tax wrappers including pensions,
    ISA, offshore bonds, taxable portfolios, trusts (trusts are not regulated by the FCA)

CTFP has access to attractive partnership rates with a range of DFMs which will reduce the portfolio cost compared to direct investment by an individual.

  • Establishment of insurance policies including term
    assurance, whole of life, critical illness cover and income
  • Review of existing policies to determine suitability

A market-wide analysis of the products suitable to protect an individual’s financial position in the event of death or long-term sickness.

  • Establishment of auto-enrolment pension for employers (auto-enrolment is not regulated by the FCA)
  • Review of existing group pension schemes
  • Mandatory triennial review of pension scheme
  • Support to employees

Support to employers to ensure they meet their legislative obligations in what is a complex issue.

  • Establishment or review of business insurance policies
    including key person cover, loan protection share
  • Establishment or review of Death In Service Group
    Income Protection policies provided to employees

Financial protection to businesses in the event a key person or owner is unable to work due to sickness or death.

For our full range of services, call to arrange an appointment
with one of our financial planning advisers.