Are you concerned about achieving your financial goals?
Maybe you are concerned about how you are going retire with enough money to live on
And maybe you are worried that the investments you have are not working properly for you
The focus of good financial advice is about you
The goals you have
When you want to achieve them by
And how are you going to get there
As Financial Advisers, we will help you achieve financial freedom and the future you desire for you and your family
Imagine how you would feel if you achieve Financial Freedom
How would you feel if you had a plan in place for a worry and stress free retirement
And how great would it be if your investments were the right ones for you
Book a consultation with us today to discuss how we can help you on your road to financial freedom.
Being a client of Martin Dodd has made all the difference to our pensions. We now have a very clear understanding of how our pension funds are performing through regular quarterly reviews. I am more confident that with Martin’s help we will build up substantial pension funds for retirement.Chris Cox
I chose Martin over a number of other IFA’s I had been introduced to. To date I have received solid, consistent and certainly independent advice. Martin has performed over and above my expectations, taking on situations outside the scope of my initial investments with him.Tim Holiday
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I am concerned to put it mildly. In fact it’s always been a major concern of mine.
You may be wondering what I am talking about. What I am talking about is the new ‘pension freedom’ rules and the possibility that people miscalculate how much they can afford to spend in retirement and how long they are going to live. Over the last 15 years I have seen more and more people wanting to start accessing their retirement funds from younger ages for a variety of reasons, which will inevitably collide with us living for longer. In the next 50 years it’s quite possible that people could be living beyond 100 years of age. So it’s not difficult to foresee a problem in the future.
“Just before I sign here Martin, can I just ask you one more question”
“Of course Chris, fire away”
After a series of meetings with Chris to put together his financial plan for the future, we were sat around our conference room table at our offices, finalising how we were going to proceed and sign the paperwork. The plan was to consolidate a series of pensions he had acquired over the last 25 years and put a proper investment program together for the next ten years, so that he could hand over his business to his two sons. The plan was then to enjoy a fabulous world cruise, before kicking back and taking it easy.
“So Chris, we have established what you goals and objectives are for the future.”
“That’s it then” said Chris, “we can get on and invest the money, right?”
“Well, not quite Chris. We need to know how much risk you can tolerate and with how much of the money you have available to invest. Establishing you attitude to risk is like working out what level of risk would keep you awake at night. But just because we can establish what your maximum level of risk is, you may not need to take that amount of risk to achieve your financial goals. It’s just a guide to what you could tolerate.”
“It’s the wrong question to ask really Chris” I said as politely as possible. I’d just been introduced to Chris whilst at a party and we were having the typical “first time you meet someone” type if conversation. After the usual introductions,...
You will probably have taken out life insurance to protect your families in the event of you dying prematurely, so that your family can maintain their current lifestyles, if you are not their providing income for the home.
But did you know there is now a more tax efficient way to provide that insurance protection.
The strategy I am going to share with you today can be very effective for some people in certain situations. It is not appropriate for everyone and specific advice should be taken if you think it is right fo