Financial Planning

We will guide you through managing and protecting your wealth, securing you and your family for future generations.

Wealth Management

Our wealth management approach is based on clearly understanding your financial situation, your goals and how much risk you are prepared to take with your money.

A CLEAR JOURNEY

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Our Wealth Management Service provides strategic asset allocation for the medium to long term and is particularly relevant for Investments and Retirement Planning.

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OUR EXPERIENCE

Nick Truss is the Practice Principle at MDS Financial Group, where he has employed Moody’s Barrie & Hibbert, the largest risk and rating company in the world to determine the assets our clients should be invested in. 

We also use the largest fund research company, Morningstar OBSR to research the whole fund universe to select the best fund for the appropriate asset classes for each client.

Planning for the future

This approach ensures our clients can invest with confidence and transparency and we can ensure that the different asset classes that our clients invest in are blended together to produce strategic asset allocations to match their risk profile.

We will be happy to work with our clients to build their portfolio and to continue to manage their wealth to ensure their objectives are met, now and in the future.

Wealth Protection

Our clients work hard to build a lifestyle and security for themselves and their families.

We work with our clients to ensure that where appropriate their wealth is maintained, secured and protected for them and future generations.

Future proofing

Our Wealth Protection service considers all aspects of protection for them and their families and includes the following areas:

  • Provision for families in the event of premature death

  • Protection for the family in the event of suffering a critical illness or being unable to work through accident or illness

  • Paying the mortgage if unable to work for any reason

  • Securing funds for future generations to provide for Inheritance Tax solutions or for estate protection or creation

  • Protecting Businesses in the event of death or sickness of a partner, shareholder or key person

  • Ensuring the correct use of Trusts in conjunction with protection or investment solutions

The value of the investment can go down as well as up and you may not get back as much as you put in.

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In summary, we cannot sadly prevent clients from becoming ill or dying too soon but I can work with them to ensure that the financial consequences of such events are not of financial concern to them, their families or businesses.

Trusts, inheritance tax and estate planning are not regulated by the Financial Conduct Authority.

Mortgages

There are times in life when it is necessary to consider a mortgage:

  • At the exciting time of buying a first home?

  • When it is time to buy a larger house perhaps due to an expanding family?

  • Why pay more than you need to for your borrowing?

  • A remortgage perhaps to take advantage of lower interest rates?

  • Time to invest in a buy to let property?

Whatever the time, it is important to seek expert advice to ensure that the most appropriate mortgage is achieved to minimise overall costs and secure the future of your home.

Specialist advice

This is why we recognise the importance of specialist advice and proudly offer this services with specialist mortgage advisers. Please contact us for more information.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate on buy to let mortgages.