Financial adviser in Wokingham
We advise clients in Wokingham and the surrounding area on their financial planning, their mortgages and their protection, working by video where that is easier and in person when it helps.
Advice for people who earn well and have no plan
Wokingham sits in the middle of the Thames Valley technology and professional services corridor, and the people we work with here reflect that. Many are well paid, in their thirties and forties, with a workplace pension they have never chosen investments for, a share scheme they do not fully understand, and pensions left behind at two or three former employers.
None of that is a crisis, which is precisely why it gets left. The trouble is that the years when small changes make the biggest difference are the ones most easily lost to being busy. Getting everything into one picture, seeing what it is on course to produce, and making a handful of decisions deliberately is worth far more at forty than at sixty.
The other thing we see a lot of here is protection that was set up years ago and never revisited, or never set up at all. Two incomes, a mortgage that assumes both, and no cover is a common combination, and it is a straightforward one to fix.
Nearby
We work across Berkshire and the counties around it. If your town is not listed, we almost certainly still cover it.
How we help clients in Wokingham
The same advice, wherever you are. Follow any of these through for the detail.
Financial planning
A plan for the whole of your financial life, built around what you actually want.
Read more →Retirement planning
Understanding your pensions, and knowing when you can afford to stop.
Read more →Investment planning
Putting your money to work in a way that matches your goals.
Read more →Estate planning
Passing on what you have built, with as little lost to tax as possible.
Read more →Mortgages
First homes, moving, remortgaging, buy to let and larger loans.
Read more →Protection
Cover that holds your plans together if life takes a turn.
Read more →At your kitchen table, or on a video call
Wokingham is a longer drive than east Berkshire, so we often start on video and meet in person when there is something to go through together.
Some clients would rather we came to them, particularly for the first conversation and when there is paperwork to go through together. Others would rather keep it short and do it by video between meetings. We work either way, and most people end up with a mix of the two.
Questions we are asked locally
I am too busy to sort this out. What does it actually involve?
Less than you think. One conversation to understand what you want, then we do the gathering and the chasing. You see a clear picture and a written recommendation, and you decide from there.
What should I do with my share scheme?
It depends on how much of your financial future is already tied to your employer, which is the question most people skip. Having your salary, your bonus and a large part of your savings all depend on one company is a concentration of risk worth looking at deliberately.
Is video advice as good as meeting in person?
For most conversations, yes, and it is a good deal easier to fit into a working week. We come out in person where it genuinely helps, particularly for the first meeting or where there is paperwork to go through together.
Advice on your doorstep
If you are in Wokingham and want to talk something through, start with a conversation. No obligation, and nothing to prepare beforehand.