Business Details
Your Trusted Partner for Financial Planning Solutions
Established to provide structured and clear financial planning solutions, we specialise in delivering unbiased, whole-of-market advice to corporate and private clients across the UK. Our expertise focuses on pensions, equity release, inheritance tax planning, and tax-efficient investments, with particular experience supporting clients aged 55-75. We prioritise face-to-face consultations, handling all paperwork and liaising with third parties to simplify complex financial decisions.Our team combines Chartered Financial Planner status with legal and administrative expertise to ensure continuity and accountability in every recommendation. We operate from Blackpool, maintaining strict adherence to regulatory standards under FCA authorisation (number 921484), while offering flexible appointment options beyond standard office hours.
Services
Pension Advice
Annuity Advice
Equity Release
Inheritance Tax Planning
Tax Efficient Investments
School Fee Planning
Stamp Duty Advice
Highlights and features
- We provide whole-of-market, unbiased financial advice with FCA-regulated accountability
- Our Chartered Financial Planner holds the highest industry qualifications since 2005
- We handle all paperwork and coordinate with legal/financial professionals on your behalf
- Local face-to-face consultations ensure personalised service for major life decisions
- Specialist expertise in retirement income optimisation and equity release solutions
Associations and certifications
- Financial Conduct Authority
- Chartered Insurance Institute
Services
Pension Advice
Specialist guidance on accessing pension tax-free cash and maximising retirement income through open market options. We help clients navigate complex pension regulations while ensuring compliance with FCA best advice standards. Our approach combines technical expertise with personalised strategy development.
Equity Release
Tailored advice on releasing capital from property while maintaining financial security. We assess lifetime mortgage products and home reversion schemes, explaining implications for inheritance and means-tested benefits. Our process includes independent legal coordination for client protection.
Inheritance Tax Planning
Strategic solutions to mitigate inheritance tax liabilities through legitimate exemptions and reliefs. We integrate tax-efficient investments and trust structures into comprehensive estate plans, ensuring alignment with long-term family wealth objectives while maintaining regulatory compliance.
Annuity Advice
Expert evaluation of annuity products to secure guaranteed retirement income. We compare providers across the whole market, explaining features like index-linking and guaranteed periods. Our recommendations prioritise clients' unique circumstances over 55-75 age range requirements.
Tax Efficient Investments
Customised portfolio strategies utilising ISAs, pensions, and EIS/VCT schemes to optimise tax positions. We balance risk management with growth potential, regularly reviewing investments against evolving tax legislation and personal circumstances for sustained effectiveness.
People
Matthew Berry
Managing Director
Chartered Financial Planner since 2005 with 25+ years' experience. Former Senior Adviser at national IFA firm that won Large IFA of the Year three consecutive times. Holds Certified Financial Planner certification and specialises in retirement income strategies.
Dawn Berry
Director
Qualified solicitor managing administration and marketing. Provides legal oversight for client documentation and coordinates professional service delivery. Ensures operational efficiency while maintaining regulatory compliance across all business functions.
Questions
What financial planning services do you specialise in?
We specialise in pensions, equity release, inheritance tax mitigation, annuities, and tax-efficient investments, with particular expertise in retirement income optimisation for clients aged 55-75.
How are you different from online financial platforms?
We provide face-to-face advice with full liability for recommendations, handle all paperwork, and coordinate with legal/financial professionals - unlike execution-only online services that avoid responsibility.
Can you help with urgent financial decisions?
While we don't offer emergency services, we can arrange out-of-hours appointments for time-sensitive matters, ensuring thorough consideration of complex financial decisions within regulatory frameworks.
What qualifications do your advisers hold?
Our lead adviser holds Chartered Financial Planner status from the Chartered Insurance Institute and Certified Financial Planner certification, representing the highest industry standards since 2005.
How do you handle unresolved client complaints?
Unresolved issues can be referred to the Financial Ombudsman Service (FOS) as required by our FCA regulation. Full details of this process are available on the FOS website.
