Business Details
27 Years
experience
Your Trusted Financial Advisers in Bournemouth
Headstart Financial Planning has been delivering practical, whole-of-market financial advice for nearly four decades. Our team of seasoned advisors specializes in mortgages, investments, pensions, life assurance, and business protection, serving clients across Bournemouth, Poole, and surrounding areas. We conduct comprehensive fact-finds to tailor recommendations, ensuring solutions align precisely with individual circumstances. Our three-stage process includes an initial review, detailed reporting, and ongoing reviews to maintain financial alignment with evolving goals. Authorized and regulated by the Financial Conduct Authority (FCA), we prioritize transparency, client education, and long-term relationships built on trust.With decades of collective experience, our advisors bring deep expertise in equity release, inheritance planning, and business continuity strategies. Clients benefit from our commitment to no-obligation initial consultations and a structured approach to future-proof financial planning. Our administrative team ensures seamless management of policies and mortgages from application to completion, reflecting our dedication to service excellence.
Services
Financial Planning
Mortgages
Investments
Life Assurance
Equity Release
Inheritance Planning
Business Advice
Details
- Year established: 1999
Highlights and features
- We provide whole-of-market financial advice tailored to individual needs.
- Our team has over 40 years of combined experience in financial planning.
- We offer a structured three-stage process for transparent decision-making.
- Clients receive free, no-obligation initial consultations.
- FCA authorization ensures adherence to rigorous regulatory standards.
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Financial Planning
Our financial planning service offers personalized strategies to manage wealth effectively. We conduct detailed reviews of your financial situation, create tailored action plans, and provide ongoing support to adapt to life changes. Clients benefit from transparent advice grounded in whole-of-market research, ensuring optimal solutions for long-term security.
Mortgages
We provide expert mortgage advice covering residential and buy-to-let options. Our CeMAP-certified advisors help clients navigate competitive rates, remortgaging opportunities, and first-time buyer schemes. The service includes application assistance, affordability assessments, and ongoing portfolio management to maximize property investment potential.
Business Advice
Our business advisory service protects companies against financial disruption from key personnel loss. We offer share protection, key man insurance, and pension strategies for directors and employees. Tailored solutions ensure business continuity, safeguarding company reputation and employee welfare while maintaining operational stability during transitions.
Equity Release
Specialized equity release advice helps homeowners access tax-free cash from property value. We assess lifetime mortgage options and downsizing solutions, ensuring clients understand implications for inheritance and benefits. Our approach prioritizes client education and suitability checks to align with long-term financial goals.
Inheritance Planning
Inheritance planning services minimize tax liabilities and ensure smooth asset transfer across generations. We utilize trusts, gifting strategies, and life assurance policies to protect family wealth. Regular reviews adapt plans to legislative changes, preserving client legacies while maintaining financial flexibility during their lifetime.
People
Robert Milligan
Principal
With over 35 years in financial services, Robert founded Headstart in 1999. He specializes in cross-sector product advice, combining industry experience with client-focused strategies to deliver sustainable financial solutions.
Jim Crotty
Financial Planner
Jim brings decades of pensions and investment expertise, joining Headstart after running his own practice. He focuses on retirement planning and wealth accumulation strategies, leveraging industry knowledge to optimize client portfolios.
Chris Collier
Financial Planner
A financial services veteran since 1980, Chris specializes in equity release and intergenerational wealth planning. His experience training advisors enhances his ability to explain complex products clearly to clients.
James Wilson
Certified Mortgage Advisor
James provides mortgage expertise with CeMAP certification from the London Institute of Banking & Finance. He manages residential and commercial mortgage applications, ensuring compliance and client understanding throughout the process.
Charlotte Sharifi
Life and Pensions Administrator
Charlotte supports financial planners with policy administration and client documentation. Her attention to detail ensures accurate record-keeping and smooth implementation of life assurance and pension solutions.
Questions
What financial services do you specialize in?
We specialize in mortgages, investments, pensions, life assurance, equity release, inheritance planning, and business protection strategies.
Is the initial consultation free?
Yes, we offer a free, no-obligation initial meeting or phone call to discuss your financial needs.
How do you ensure advice suits individual needs?
We conduct comprehensive fact-finds and use whole-of-market research to create personalized financial strategies tailored to your circumstances.
Are you regulated by financial authorities?
Yes, we are authorized and regulated by the Financial Conduct Authority (FCA) under registration number 401101.
Do you serve clients outside Bournemouth?
While based in Bournemouth, we serve clients across Dorset, Poole, and surrounding areas with local market expertise.
How often are financial plans reviewed?
We agree on personalized review schedules to ensure your financial plan adapts to life changes and market conditions.
