Who We Are
We are a leading financial advice firm, based in Halesowen, managing investment an pension assets and advising family businesses, private families and individual investors on complex taxation issues.
The firm was established by Richard Bishop in 2005 to focus on offering an holistic approach to investments, estate planning and taxation with an equal emphasis on preserving capital and generating growth and income. We have worked hard to build our local brand and work with accountants and solicitors to provide additional support for clients with complex property portfolios, SDLT, CGT and inheritance tax issues. Richard Bishop is the leading author on company and charity constitutions and has written two books published by Bloomsbury Law on articles of association.
Who are you?
You’ll probably be approaching retirement or in retirement and have concerns about your estate planning and inheritance tax.
The majority of our clients need help with pensions, usually help converting their pensions into easy-access draw down, releasing tax free cash and managing the balance and annuity options. We work with clients who hold AVC’s and FSAVC’s and final salary schemes. We don’t hold permissions to advise on final salary schemes and some AVC’s, however we can help you using one of our preferred pension transfer experts. You may have existing investments you’d like to review or be 55 and under and need help with mortgages and life insurance, although we tend to focus on retirement and estate planing we are more than happy to try and help anyone of any age with their financial objectives.
If you hold existing investment or pensions we typically need to write to the provider and ask them for information about your plans, we complete this without charging you a fee. Once we have all the information back we will look at your financial objectives and put together a plan, this could a simple one page spreadsheet to a complex formal proposal. We present and agree your plan and then implement any changes required to your investment or pension portfolio. You can choose to receive on-going advice or on an ad-hoc basis.
The First Meeting
The first meeting is at our cost and without any obligation. You can come to our offices in Halesowen or we can meet at your home or place of work. After the first meeting, we produce a short plan which indicates the main areas of advice we can help you with and the fee’s that we would charge. If we need to contact your existing providers we will do this without charging you a fee.
We charge a fixed fee for the financial planning element, this would include a short to medium term plan and a cashflow to your goal retirement age. On average this costs £1,295.00 – The fixed fee is from £495.00. We charge 0.75% of the assets we mange for you for on-going financial planning.
Easiest if you call first 0121 421 7144 ask for me personally and we can have an initial chat to see if we can help you. Pensions, investments and taxation rules are complex – our advice and and language isn’t. We won’t baffle you with jargon, just tell us what you want to achieve and the assets you already have and we will do the rest.