Business Details
Your Trusted Partner for Independent Financial Advice
Established as independent financial advisers, we specialise in delivering tailored solutions across mortgages, pensions, protection, and investment planning. Our team brings over 70 years of combined experience in navigating the complexities of the UK financial services market, ensuring clients receive impartial recommendations aligned with their unique circumstances. With a focus on the North West and South Lakes regions, we prioritise transparency, integrity, and long-term client relationships.Our commitment to excellence is reflected in our complimentary initial consultations, which allow clients to explore their financial goals without obligation. By maintaining independence from product providers, we guarantee unbiased advice designed to secure our clients' financial futures.
Services
Mortgages
Pensions
Protection
Savings & Investments
Tax Planning
Highlights and features
- We offer 70+ years of combined experience in financial advisory services
- Our independence ensures completely impartial product recommendations
- Complimentary initial consultations with no obligation
- Specialised expertise in North West and South Lakes market dynamics
- Commitment to transparent fee structures and ethical practices
Services
Mortgages
We specialise in mortgage advisory services for first-time buyers, home movers, and remortgaging clients. Our fully qualified advisers conduct comprehensive market research to identify competitive products tailored to individual financial circumstances. With access to the entire UK mortgage market, we provide ongoing support from initial consultation through to completion, ensuring clients understand all aspects of their chosen mortgage arrangement.
Pensions
Our pension advisory service helps clients build sustainable retirement income through strategic savings and investment planning. We offer expert guidance on state pensions, workplace schemes, and personal pension options, with a focus on tax-efficient solutions. With over 70 years of combined experience, we help clients navigate complex pension regulations to maximise their retirement security.
Protection
We provide comprehensive protection insurance solutions to safeguard clients' financial security against unforeseen circumstances. Our offerings include life cover, critical illness protection, income protection, and mortgage payment insurance. We assess individual needs to recommend appropriate coverage levels, ensuring clients understand policy terms, exclusions, and the claims process to make informed decisions.
Savings & Investments
Our savings and investment advisory service covers ISAs, stocks and shares accounts, and pension schemes. We help clients understand risk profiles and investment timeframes to create diversified portfolios aligned with their financial goals. We explain tax implications, market risks, and product features to ensure informed decision-making for long-term wealth accumulation.
Tax Planning
We offer strategic tax planning services to optimise clients' financial legacies while minimising tax liabilities. Our expertise includes inheritance tax mitigation, estate planning, and tax-efficient savings vehicles. We work closely with clients to understand their family circumstances and long-term objectives, providing tailored solutions that comply with current tax regulations.
People
Eden Whittaker
Managing Director
With qualifications including DipPFS, CertPFS, and CeMAP, Eden brings extensive financial expertise to his role. Married with three sons, he combines professional excellence with personal values of integrity and fairness in all client interactions.
Michelle Whittaker
Company Secretary
Holding a PhD and BSc (Hons), Michelle supports operational excellence while maintaining family commitments. Her academic background complements the firm's commitment to rigorous financial standards.
Debbie Helm
IFA Assistant
Qualified as a Mortgage Adviser since 2004, Debbie combines technical expertise with community engagement experience. Her background includes Home Office Asylum Support and Home Start volunteer training.
Questions
What areas do you cover for financial advice?
We serve clients across Ribchester, Blackburn, Darwen, Accrington, Burnley, Preston, Lancaster, and the wider North West and South Lakes regions.
Are your mortgage advisers qualified?
Yes, all our mortgage advisers hold full qualifications including CeMAP and have access to the entire UK mortgage market.
How do you ensure impartial financial advice?
As independent financial advisers, we research products from the whole UK market without restrictions to maintain complete objectivity.
What pension options do you advise on?
We provide guidance on state pensions, workplace schemes, personal pensions, and tax-efficient savings options like ISAs and SIPPs.
Do you offer protection insurance?
Yes, we offer life cover, critical illness, income protection, and mortgage payment protection tailored to individual circumstances.
Can you help with tax-efficient savings?
Our advisers specialise in tax planning strategies, including ISAs, SIPPs, and estate planning to optimise financial legacies.
