Financial Services
A personal approach to your finances
Retirement Income Planning
- Assessing your current financial position, including income, expenditure, assets such as pension funds and ISAs, debts such as mortgages etc.
- Identifying your retirement goals, such as when you might want to stop working, or slow down and how much income you will want in retirement.
- We use specialist software to provide a full Financial Forecast tailored to your specific circumstances and personally review the Forecast with you.
Pension Fund Consolidation
- We can help identify all your pension pots and schemes, often from many years previously.
- Pension plans are checked for any guarantees or penalties which are fully explained.
- Where appropriate, we can consolidate your pension pots into a single, modern, flexible personal pension, to include facilities to take money back, as you need it.
- Investments are made in accordance with your requirements, after a full check of your circumstances and approach to investment risk.
Investments and Savings
- We are experienced in assisting both experienced and first-time investors (possibly receiving inheritances etc).
- Full circumstances are identified, together with the purposes of the investment funds, timescales when they might be needed back, any income required etc.
- A full Attitude to Risk assessment is made.
- A Suitable investment portfolio can be recommended.
Inheritance Tax (IHT) Planning
- We can conduct a financial analysis to identify your potential IHT liability.
- Expert advice is provided, offering a range of trusted and legitimate IHT mitigation solutions, including using suitable Trusts, or established investment structures to reduce IHT liabilities.
- Assistance with generational Planning and guidance on Wills, Probate and long-term care is also offered.
Annuities
- As Independent Financial Advisers, we are able to look across the whole market place to help find the very best Annuity deals for you.
- Guaranteed Lifetime Annuities, Fixed Term Annuities and Enhanced Annuities are our speciality.
Testimonials
“Friendly and patient”
Just to say regarding Christopher Charles Financial Services, as I find the area of investment somewhat daunting, their hands-on, friendly and patient approach with good advice is appreciated.
– Mr CR, Northampton
“High standard”
The service I have received from this company over several years now has been of a high standard, thorough and caring.
The advice received from Chris has proved to be sound and his reliable 'overseeing' of my investments does give me confidence. The staff are always helpful and queries are answered as quickly as possible.
- Mrs GW, Wales
“Professional and personal”
I found your service to be both professional and personal.
- Mr G, Luton
“Very happy with the advice”
Over a considerable time, we have been very happy with the advice, flexibility and helpfulness of CCFS. This reliable service underpins a considerable part of our financial planning.
- Mr MS, London
“Professional advice”
Professional advice combined with honesty and clarity are the hallmarks of the service from Christopher Charles. I would not hesitate to recommend it.
– Mrs CF, Bedfordshire
“Trust them implicitly”
We have used you for many years now, and have come to trust you implicitly.
Mrs A, Northants
Personalised financial advice
As a small company our clients benefit from a personal service from our experienced team who get to know our clients well.