Services for Individuals:

At Principle Financial Planning Limited, we provide a comprehensive suite of financial services designed to help individuals achieve their financial goals and secure their future. Below, you will find an overview of the key services we offer. For more detailed information, please select the relevant page.

Retirement Planning

Retirement planning is a critical aspect of personal financial management, encompassing strategies and actions needed to prepare for a financially secure and comfortable retirement. Our retirement planning services involve setting retirement goals, estimating necessary expenses, and implementing savings and investment plans. We focus on both the accumulation phase, where you actively save and invest for retirement, and the phase of accessing benefits, where we help you draw down your savings in a sustainable manner. Our personalised advice ensures that you have a well-structured plan to support your desired retirement lifestyle.

Investment Planning

Investment planning is vital for achieving financial goals and ensuring long-term prosperity. Our services include setting investment objectives, selecting appropriate investment vehicles, and implementing tax-efficient strategies tailored to your circumstances. We help you identify goals, assess risk tolerance, and establish time horizons for your investments. Our expertise in diversification, tax efficiency, and ongoing portfolio management ensures that your investments align with your financial objectives and adapt to changing market conditions.

Equity Release / Lifetime Mortgages

Equity release, also known as lifetime mortgages, allows homeowners aged 55 and over to unlock the value of their property without selling it. We provide guidance on accessing equity as a lump sum, regular income, or a combination of both. This financial product is ideal for supplementing retirement funds, financing home improvements, or covering unexpected expenses. Our advisors help you navigate the complexities of equity release, ensuring you understand the implications for inheritance and long-term financial planning.

Mortgages (Residential and Buy-to-Let)

Securing the right mortgage is crucial for both homebuyers and property investors. Our mortgage services include assistance with residential mortgages, helping you assess affordability, choose the right mortgage product, and understand interest rate structures. For buy-to-let mortgages, we evaluate rental income potential, loan-to-value ratios, tax implications, and property management costs. Our strategic approach ensures that your mortgage aligns with your financial goals and provides long-term benefits.

Insurance Services

Insurance planning is essential for protecting against life’s uncertainties. We offer a range of insurance products, including whole of life insurance, level term assurance, decreasing term assurance, critical illness cover, and income protection. These products provide financial security for you and your loved ones, ensuring that your obligations are met and that you can maintain financial stability in the face of unexpected events. Our advisors help you assess your needs and select the appropriate coverage to safeguard your future.

Inheritance Tax Planning

Inheritance tax (IHT) planning is designed to minimise the tax burden on your estate and ensure that more of your wealth is passed on to your beneficiaries. Our IHT planning services include whole of life insurance, trust planning, and pension planning, among other strategies. We help you understand the IHT implications, set up trusts, and optimise your pension arrangements to reduce the taxable value of your estate. Our goal is to provide comprehensive planning that maximises the benefits for your heirs.