Business Details
Your Trusted Financial Planning Partner in Nottingham
Principal Financial Services has been dedicated to addressing client needs and objectives since its inception. Our approach combines extensive experience and expertise to deliver high-quality financial planning solutions tailored to both individual and corporate clients. As an Appointed Representative of Quilter Financial Services Limited, we benefit from the support and oversight of a firm authorised and regulated by the Financial Conduct Authority. Our team brings decades of experience, with Managing Director Tom Cresswell offering over 30 years of financial planning expertise and Director Juliette Smith contributing more than 25 years of corporate market insight. We prioritise fairness and honesty in all our operations, ensuring a personal service while maintaining compliance with regulatory standards.Our collaboration with Quilter plc, a FTSE 250 company managing 100 billion in investments, enhances our ability to provide robust financial advice. We serve clients in Nottingham and London, with a registered office in Nottinghamshire and a secondary location in the City of London. Our commitment extends beyond financial services through community support initiatives like our partnership with Ashfield Rugby Club. We specialise in investment strategies, pension planning, inheritance tax mitigation, and protection solutions while maintaining transparency about market risks and tax considerations. Our regulatory compliance and focus on client-centric solutions position us as trusted advisors in the financial services sector.
Services
Investment Advice
Pension Planning
Options at Retirement
Inheritance Tax Planning
Protection Planning
Corporate Pension Planning
Group Protection
Business Protection
Highlights and features
- 30+ years of financial planning experience with tailored solutions
- Regulated by the Financial Conduct Authority (FCA) for compliance assurance
- Personalised service combining local expertise with national resources
- Partnership with FTSE 250 firm Quilter plc for enhanced service delivery
- Community-focused approach supporting local initiatives like Ashfield Rugby Club
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Investment Advice
We formulate bespoke investment strategies aligned with your risk tolerance, tax position, and financial goals. Our approach considers market volatility and long-term objectives while ensuring regulatory compliance. Clients receive tailored recommendations to optimise portfolio performance within their investment timeframe.
Pension Planning
Our pension advice focuses on tax-efficient retirement savings through personalised strategies. We review existing arrangements and design new solutions to maximise retirement income while adhering to FCA regulations. Services include corporate pension schemes and individual retirement planning.
Inheritance Tax Planning
We help clients reduce inheritance tax liabilities through strategic use of trusts and tax planning measures. While not offering will-writing services, our solutions focus on preserving wealth for beneficiaries through legal tax reduction methods.
Protection Planning
Our protection services safeguard against financial risks from illness, injury, or death. We design personal and family protection plans, including life insurance and critical illness cover, to ensure financial security during unforeseen circumstances.
Business Protection
We assess financial risks associated with key personnel loss and implement cost-effective solutions. Services include shareholder protection and key employee insurance to maintain business continuity during unexpected events.
People
Tom Cresswell
Managing Director & Financial Planner
With over 30 years' experience, Tom specialises in advising higher net worth individuals and businesses. His expertise covers complex financial planning and investment strategies tailored to client needs.
Juliette Smith
Director & Financial Planner
Juliette brings 25+ years of corporate market expertise, offering a female perspective on wealth management. She focuses on strategic financial solutions for businesses and affluent individuals.
Questions
What financial services do you offer?
We provide investment advice, pension planning, inheritance tax mitigation, protection planning, and business risk solutions for individuals and corporations.
Are you regulated by the FCA?
Yes, we operate as an Appointed Representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.
Do you serve clients outside Nottingham?
We primarily serve clients in Nottingham and London, with our main office in Nottinghamshire and a secondary location in the City of London.
How do you handle client complaints?
Complaints can be submitted to Quilter Financial Planning via phone, email, or their website. Unresolved issues may be referred to the Financial Ombudsman Service.
Can you help with corporate pension schemes?
Yes, we advise on establishing and managing corporate pension schemes, including auto-enrolment and employee benefit arrangements for businesses.
