Our services
Independent Financial Advisers
working with you
Who we aim to help?
Individuals, Families, Sole Traders, Partnerships and Limited Companies. Our specific services are listed in detail below. If you have any questions regarding any of our services, please do not hesitate to contact us.
Clover Financial Planning Ltd is authorised and regulated by the Financial Services Authority (FSA) to provide impartial independent financial advice on a wide range of products designed to meet your needs, including:
- Investments, Savings & Wealth Management
- Pensions and Retirement Planning
- Inheritance Tax Planning
- Long Term Care Planning for the elderly
- Life Assurance, Critical Illness and Family Protection
- Income Protection / Permanent Health Cover
Investments & Wealth Management
We advise on investing for growth and/or income through ISA's, ISA transfers, Unit Trusts, OEIC's, Bonds, Offshore investments, Stocks and Shares and other specialist products.
We make a detailed analysis of your circumstances and take very careful consideration of your preferences helping you to make the right decisions in your own time. Having specialist expertise and working with other specialist investment partners we are well placed to advise you on your long term investment planning.
Inheritance Tax Planning
This can be a very complex area, so if you would like to ascertain what your position is and options available to you we will be pleased to talk to you. Having a specialist qualified in taxation and trusts we are well placed to help. We will often work in conjunction with your solicitor on these matters.
Retirement Planning
There are many different retirement options, Personal Pensions, Stakeholder Pensions, Self Invested Personal Pensions (SIPP's), Income Drawdown and Additional Voluntary Contributions (AVC's) and it can be very difficult to collate this information and understand it all.
By talking to us we can help you to identify what plans you already have in place, explain them in plain English and help you to plan the right strategy for your future income to ensure that you have a prosperous and happy retirement!
Long Term Care
Planning for home fees can be a very difficult time and the very elderly can often be vulnerable. We are qualified to the highest level to provide Long Term Care advice and ensure that wherever possible the family is fully involved. We take time to ensure that there is a full understanding of all of the options available.
Life Assurance, Critical Illness and Family Protection
It is important that if something unexpected happens that you and your family have taken steps to ensure that it has the minimum of impact upon the financial affairs at what can be a very difficult time. Having sensible protection to provide a cash lump sum on death or diagnosis of a serious illness such as heart attack, stroke, cancer, etc. or total disability can be invaluable.
Income Protection
Make sure that you are able to replace your Income in the event of Sickness, Accident or Disability.
What is the cost of our advice?
We provide an initial consultation at no cost to you, to explain the options to you and ensure that we are both happy with the basis on which we will work together. We typically work on a fee basis but can use a commission basis if beneficial to you. and will explain the options to you.
The remuneration basis is always agreed before we commence any work and no work is undertaken without your full knowledge and agreement as to the way in which we will be remunerated.
Being 'Chartered Financial Planners' we are governed by the rules of the Personal Finance Society's code of ethics which can be downloaded on the Chartered Insurance Institute website which can be accessed via our links page. The code of ethics reflects the highest professional standards of the Personal Finance Society.
We always aim to treat our customers fairly.
