Business Details
10 Years
experience
Your Trusted Financial Advisers in Kirkby
People & Business I F A IFA are Independent Financial Advisers with over 25 years of experience in the financial marketplace. Our independent status enables us to survey the entire financial market to provide tailored solutions that align with our clients' unique requirements and long-term goals. We specialise in investments, retirement benefit advice, pensions, wealth management, protection insurance, and Inheritance Tax planning, adopting a holistic approach that considers clients' lifestyles, objectives, and financial circumstances.Our team is committed to simplifying complex legislation and industry jargon, ensuring our advice is accessible and actionable. We serve private individuals, business owners, and corporate bodies, maintaining a client-centric ethos where trust, transparency, and expertise form the foundation of our relationships. Our clients regard us as their primary point of contact for financial matters, valuing our dedication to empowering them with knowledge and confidence in their financial decisions.
Services
Financial Planning
Pensions Advice
Investment Management
Inheritance Tax Planning
Business Protection
Employee Benefits
Details
- Year established: 2016
Highlights and features
- We have over 25 years of experience in independent financial advisory services.
- Our FCA-authorised status ensures adherence to rigorous regulatory standards.
- We provide tailored solutions through a holistic understanding of client needs.
- Our team simplifies complex financial concepts into actionable advice.
- Clients benefit from our extensive network across the entire financial market.
Associations and certifications
- Financial Conduct Authority
What people say
Professionalism
Extensive financial knowledge
Trust and integrity
Excellent service
Confident decision-making
Services
Financial Planning
We create comprehensive financial plans designed to achieve, maintain, and protect desired lifestyles or business goals. Our approach considers clients' unique circumstances, risk tolerance, and future aspirations. By combining market expertise with personalised strategies, we help individuals and businesses navigate complex financial decisions with confidence.
Pensions Advice
Our specialist pension advisory services cover retirement benefit planning, scheme transfers, and tax-efficient income strategies. We help clients optimise their pension arrangements while ensuring compliance with evolving regulations. The team provides clear guidance on both personal and workplace pension solutions tailored to individual needs.
Investment Management
We offer strategic investment advice covering portfolio construction, asset allocation, and performance monitoring. Our independent status allows access to a wide range of investment products, enabling us to create diversified portfolios aligned with clients' financial objectives and risk profiles. Regular reviews ensure ongoing suitability and adaptability to market changes.
Inheritance Tax Planning
Our tax planning specialists develop strategies to minimise inheritance tax liabilities while preserving wealth for future generations. We provide structured solutions incorporating trusts, gifting strategies, and tax-efficient investments. The service ensures clients' wishes are fulfilled while maintaining compliance with current tax legislation and regulatory requirements.
Business Protection
We help businesses implement protection strategies against key person risks, partnership succession, and debt coverage. Our solutions include life insurance, critical illness cover, and income protection tailored to business structures. The service supports business continuity planning and safeguards against financial disruptions from unforeseen events.
People
Steve Speed
Director
With over 25 years of financial advisory experience, Steve specialises in retirement planning and investment management. He holds multiple industry qualifications and has guided clients through complex financial transitions, including business succession and redundancy planning. His approach combines technical expertise with accessible communication.
Carl Mitchell
Financial Adviser
Carl provides comprehensive financial planning services, focusing on investment strategy and tax-efficient solutions. He has earned client trust through meticulous documentation, transparent communication, and a client-first approach. His expertise includes portfolio management and intergenerational wealth planning.
Questions
What areas do you cover?
We primarily serve clients across the North West, including Chester, Liverpool, and Manchester, with flexible meeting options available.
How are you regulated?
We are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 8954170.
What services do you offer for businesses?
Our business services include protection strategies, pension planning, employee benefits, and corporate succession planning tailored to business owners' needs.
How do you charge for advice?
We provide transparent fee structures during initial consultations, with charges based on the complexity and scope of required services.
Can I get a pension review?
Yes, we offer comprehensive pension reviews to assess current arrangements and identify opportunities for improved efficiency and growth.
Reviews (1)
David Carter
Jul 13, 2020
Report
Positive:Professionalism
Excellent, affordable & personalised financial advice from a company you can trust to work hard on your behalf. Great tax planning too.
Excellent, affordable & personalised financial advice from a company you can trust to work hard on your behalf. Great tax planning too.
