Business Details
41 Years
experience
Expert Financial Advisers in Belfast
Established in 1985, we are one of Northern Ireland's leading financial planning practices, dedicated to creating tailored solutions for individuals and businesses. Our approach combines innovation with a deep understanding of clients' long-term goals, prioritising their needs to help them navigate financial complexities and achieve security. With over 35 years of expertise, our team of professionally qualified specialists delivers holistic advice across pensions, investments, tax planning, and estate management. We collaborate closely with legal and accounting professionals to provide comprehensive, integrated solutions.Our unique investment philosophy focuses on simplifying complex financial decisions through sound fundamentals, ensuring clients make informed choices aligned with their aspirations. We maintain ongoing reviews to adapt strategies to changing circumstances and legislative updates, offering transparent, client-centric service. Our commitment to excellence is reflected in our regulatory compliance and recognition as a trusted authority in financial planning.
Services
Pensions Planning
Investment Management
Protection Cover
Mortgage Advice
Retirement Planning
Estate Tax Planning
Tax Efficiency Strategies
Employee Benefits
SSAS Administration
Wealth Protection
Details
- Year established: 1985
Highlights and features
- 35+ years of experience in financial planning and pension consultancy
- Team of professionally qualified specialists with diverse expertise
- Tailored strategies for complex financial situations and business needs
- Collaborative approach with legal, accounting, and professional networks
- Regulated by the Financial Conduct Authority for client protection
Associations and certifications
- Financial Conduct Authority
Services
Pensions Planning
We review existing pension arrangements, establish new plans, and advise on annual allowances. Our specialists help clients navigate complex issues like tapered annual allowances, lifetime allowances, and SSAS/SIPP setups. By understanding individual circumstances, we create tax-efficient pension strategies aligned with long-term retirement goals while ensuring compliance with current regulations.
Investment Management
Our investment approach considers diversification, risk tolerance, and liquidity needs. Through regular reviews, we develop strategies that balance growth potential with capital preservation. We utilise tax-efficient vehicles like ISAs and pensions while considering ethical investments and ESG factors. Our ongoing management ensures portfolios remain aligned with clients' evolving financial objectives and market conditions.
Estate Planning
We specialise in minimising inheritance tax liabilities through strategic gifting and trust structures. Our planners help clients preserve wealth for future generations while maintaining access to capital during their lifetime. We advise on available exemptions, lifetime gifts, and trust selection to create comprehensive estate plans that balance family needs with tax efficiency.
Tax Planning
We maximise tax allowances including ISAs, CGT exemptions, and pension contributions. Our strategies focus on long-term tax-efficient savings while advising on higher-risk options like VCTs for suitable investors. We help clients structure investments to minimise liabilities across multiple tax frameworks, ensuring compliance while optimising their financial position through changing legislation.
Employee Benefits
We design tailored employee benefit packages for SMEs and large corporations, including group pensions, income protection, and private medical insurance. Our solutions enhance staff retention while remaining tax-efficient and compliant. We review existing schemes to ensure competitiveness and help businesses implement benefits that align with their organisational culture and financial objectives.
People
Terry Lappin
Managing Director
Leading the firm with over 35 years of financial services experience, Terry combines strategic vision with hands-on client management. He specialises in complex pension arrangements and has driven the firm's growth into Northern Ireland's largest financial planning practice.
Alan Thomson
Chartered Financial Planner
With expertise in high-net-worth financial planning, Alan specialises in tax-efficient investment structures and retirement solutions. His client-focused approach ensures tailored strategies that balance long-term goals with regulatory compliance.
John Dooher
Business Development Director
John bridges client needs with strategic solutions, focusing on corporate pension schemes and employee benefits. His industry insights help businesses implement competitive benefits packages that enhance staff retention and tax efficiency.
Stephen Cross
Employee Benefits Director
Stephen specialises in designing comprehensive workplace benefits, advising SMEs and corporates on group pensions, protection schemes, and tax-efficient employee offerings that align with business objectives.
Lorraine Rodgers
Operations Director
Overseeing operational excellence, Lorraine ensures seamless service delivery across all client portfolios. Her focus on process optimisation maintains the firm's high standards in financial planning execution and client communication.
Questions
What qualifications do your financial advisers hold?
Our team includes Chartered Financial Planners and professionally qualified specialists with decades of combined experience in pensions, tax planning, and investment management.
How do you ensure financial plans remain up-to-date?
We conduct regular reviews to adapt strategies to changing circumstances, legislative updates, and evolving client goals, ensuring ongoing relevance and effectiveness.
Can you help with complex pension arrangements?
Yes, we specialise in SSAS, SIPPs, and high-earner pension planning, including complex issues like lifetime allowances and tapered annual allowance calculations.
Do you work with other professional advisers?
We maintain strong relationships with legal and accounting professionals to provide integrated solutions for clients with complex financial requirements.
How are investment strategies developed?
We consider risk tolerance, diversification, liquidity needs, and tax efficiency to create personalised investment strategies aligned with long-term financial objectives.
What employee benefit solutions do you offer?
We provide group pensions, income protection, private medical insurance, and tailored benefits packages for businesses of all sizes across Northern Ireland.
