Business Details
Your Trusted Financial Advisers in Brigg
The Life and Pensions Network is a trusted provider of independent financial advice, formed through the collaboration of Richard Subden Insurance Consultants Ltd and Harold Woolgar Insurance Services Ltd. Established by industry veterans Richard Subden and Harold Woolgar, our team of qualified financial advisers and associates deliver tailored solutions to meet individual and corporate needs. We prioritise client-centric service, offering impartial guidance on mortgages, pensions, investments, and protection products. Our commitment to transparency ensures all advisory costs are disclosed upfront during initial consultations. As an appointed representative of The Life and Pensions Network Ltd, we operate under the rigorous standards of the Financial Conduct Authority, ensuring compliance and client confidence.Our expertise spans farm and commercial insurance, equity release schemes, and inheritance tax planning, supported by a dedication to long-term client relationships. We combine independent market access with personalised service to address complex financial challenges, ensuring clients receive strategic, future-focused advice. Our track record in navigating evolving financial markets positions us as reliable partners for securing financial stability.
Services
Financial Planning
Pensions Advice
Investment Management
Mortgage Guidance
Protection Planning
Highlights and features
- We offer independent financial advice regulated by the FCA.
- Our team provides tailored solutions for complex financial needs.
- Transparent cost policy disclosed during initial consultations.
- Expertise in pensions, mortgages, and inheritance tax planning.
- Established professionals with decades of industry experience.
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
We develop comprehensive financial strategies tailored to individual goals, covering retirement planning, tax efficiency, and asset allocation. Our approach combines market expertise with personal consultation to ensure long-term financial security. Clients benefit from ongoing portfolio reviews and adaptive planning to navigate economic changes.
Pensions Advice
Our pension specialists provide guidance on personal, workplace, and self-administered schemes. We review existing plans, recommend optimisations, and explain retirement income options. Services include SIPP and SSAS management, ensuring compliance with HMRC regulations while maximising tax advantages for clients' futures.
Mortgage Guidance
We offer impartial advice on residential and buy-to-let mortgages, including equity release schemes. Our process involves assessing clients' financial circumstances to identify competitive rates and suitable terms. We simplify complex mortgage products while explaining associated risks and long-term commitments.
Investment Management
Our investment services cover ISAs, unit trusts, and OEICs, focusing on risk-appropriate growth strategies. We educate clients on market dynamics while constructing diversified portfolios aligned with their risk tolerance and financial objectives. Regular performance tracking ensures investments remain on target.
Protection Planning
We design insurance solutions including life assurance, critical illness cover, and income protection. Our assessments consider clients' family circumstances and financial obligations to determine appropriate coverage levels. We simplify policy terms while ensuring adequate safeguards against unforeseen events.
People
Richard Subden
Director
With extensive experience in financial services, Richard specialises in mortgage and pension planning. He focuses on delivering tailored solutions while maintaining regulatory compliance. His client-first approach ensures transparent, long-term financial strategies.
Harold Woolgar
Director
Harold brings decades of insurance industry expertise to commercial and farm insurance solutions. He prioritises risk management and client education, ensuring comprehensive coverage that aligns with business and personal financial goals.
James Woolgar
Financial Adviser
James provides specialist advice on investments and protection products. His analytical approach combines market research with client needs assessments to create balanced financial plans that adapt to changing circumstances.
Tim Norland
Insurance Broker
Tim manages farm and commercial insurance portfolios, leveraging industry relationships to secure competitive premiums. His focus on claims support ensures clients receive prompt assistance during critical times.
Mel Rhoades
Client Services Manager
Mel coordinates client communications and administrative processes, ensuring efficient service delivery. Her organisational skills support the advisory team in maintaining high standards of client care and regulatory documentation.
Questions
What financial services do you offer?
We provide pensions, mortgages, investments, protection planning, and commercial insurance. Our FCA-regulated advisers tailor solutions to individual and business needs.
How are your advisory fees structured?
Costs are discussed during initial consultations. We maintain transparency by disclosing all fees upfront before any commitment, with charges based on the complexity of required services.
Are you regulated by the FCA?
Yes, we operate as appointed representatives of The Life and Pensions Network Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA number: 539035).
Can you help with first-time mortgages?
We assist first-time buyers with mortgage selection, affordability assessments, and application processes, ensuring compliance with lending criteria while securing competitive rates.
Do you offer pension transfers?
Yes, we review existing pensions for transfer suitability, considering charges and benefits. Our advice ensures compliance with HMRC rules while optimising retirement outcomes.
What protection plans are available?
We offer life assurance, critical illness cover, income protection, and private medical insurance. Policies are tailored to family circumstances and financial obligations.
