Financial Services

Our team provide a wealth of knowledge, experience and expertise for you. 

Obtaining independent and unbiased advice on financial matters is not always easy.  Our team was set up over 25 years ago to help clients like you and is now seen as an integral part of the firm.  Many of the traditional sources of advice such as banks, building societies and insurance advisers can only recommend their own financial products or are tied to particular companies.  They cannot recommend the products of any other.  The combination of sound legal advice and our extensive knowledge of financial matters all under one roof offers great advantages.

By entrusting your financial requirements to us, you are sure to obtain the best advice coupled with the full protection of the Solicitors Regulation Authority and the Financial Conduct Authority.  

Why do I need financial advice?

There are a number of different circumstances in which you will need financial advice, and we understand that every one of these will be different.  We can therefore tailor our advice to you personally for any of the following scenarios:

Do you have a lump sum to invest?

You may find yourself in receipt of significant sums of money; either from the passing of a relative or the sale of a business or property.

In all situations, it is vital to appoint an impartial and unbiased adviser who can prepare an investment plan which is in line with your attitude to investment risk.  Once implemented, an ongoing relationship with the adviser will develop to ensure that the plan is monitored and reviewed on a regular basis.

If you have a lump sum to invest due to the passing of a loved one, our colleagues in our Private Client team are well placed to answer any questions you may have.

Are you concerned about Inheritance tax?

Inheritance tax can often be payable upon death at a rate of 40% and so naturally more and more people are becoming concerned about trying to pass their wealth on to their family, which can be done through careful inheritance tax planning.

The starting point is to make a Will and at the same time consider whether full use is being made of the available tax reliefs and exemptions.  Depending on your situation it may also be beneficial to execute a Power of Attorney, authorising trusted friends or relatives to look after your affairs should you become unable to do so.

Making a Will provides the ideal opportunity to review and revalue property and assets, both personal and business, to plan future finances and to ensure that investments are held as tax-efficiently as possible.  Find out more from our Private Client team on how they can support you in this way.

Are you moving into care?

We have helped many clients and their families deal with the complicated and costly transition of moving into residential care.  If you are paying for your care, we can advise you or your Attorney as to what investment options are available in terms of investing your funds to meet the ongoing cost of your care.

As a firm of solicitors giving financial advice, we are able to pull together the knowledge of both our legal and financial experts when dealing with clients in residential care.   Therefore a good knowledge of Wills, Powers of Attorney as well as financial affairs means that we can normally look after all of your needs in this situation.  Of course as a firm of solicitors we can also give help should a property need to be sold.

If you would like to find out more information about Wills or Powers of Attorney, you can visit our Private Client pages. Alternatively, to speak to one of our Property teams about selling your home, click here.

Are you acting as a trustee?

The duties of a trustee became more complicated in 2014, with responsibilities now including proper diversification of trust investments (this being one of the main ways of reducing risk), and guaranteeing they meet the objectives of the trust.

Trustees must also ensure that investments are reviewed at least once a year and, unless they profess investment expertise themselves, the trustees must take advice from an appropriately qualified person.

It is important to be aware of the different trusts that are available, and consequently the different ways in which they are taxed.   We can offer sound advice on the various investment contracts available to establish which is the most suitable to the Trust funds circumstances.

If you are concerned about Inheritance tax, you can find out more on our Private Client section of the website.

Are you acting under an Enduring or Lasting Power of Attorney?

As an Attorney you must follow the complicated and long-winded principles of the Mental Capacity Act 2005 and the accompanying Code of Practice when acting in the best interests of the donor.

Professional advice must be taken when working on behalf of the donor when it comes to investments, as specified in the Trustee Act 2000, and products or services of this nature should be provided by individuals or firms regulated by the Financial Conduct Authority, as we are.

To find out more information about Lasting Powers of Attorney, visit our Private Client section of the website.

Have you recently retired?

If you have just entered the new and exciting chapter in your life of retirement, you are looking forward to enjoying a well earned rest.

Before making arrangements of how to spend these precious years, it is important to make financial plans. You may wish to travel the world, help your children on to the property ladder, or make improvements to your own home, but it is crucial that you also consider how to get the most from your savings in this period of low bank interest/savings rates.

Have you received a compensation payment from a Personal Injury claim?

As independent financial advisers, we can assist solicitors who act for personal injury claimants in a number of ways.

Special considerations can apply to the investments of sums awarded by the courts to those who have suffered personal injuries, and a Personal Injury Trust may be advisable to protect means-assessed benefits.

If you have been in an accident and are considering claiming compensation, visit our Personal Injury pages here.

Are you going through a separation or divorce?

Once you have made the hard decision to separate or divorce, there are many consequences that need to be addressed, including finances.  A complete review of yours and your former partner’s finances is likely to be required with the co-ordination of the legal and financial aspects of utmost importance.

You may need to review:

  • Jointly held assets such as properties or life policies that may need to be sold or transferred
  • Maintenance payments that may need to be protected by insurance
  • Provisions that will need to be made for children and their education
  • Existing pension plans

To find out more about how we can support you through a divorce or separation, visit our Family pages here.

Have you lost your partner or spouse?

After the sad loss of a partner, you will be feeling many different emotions, including feeling vulnerable.  Having the security of a financial adviser will give you one less thing to worry about.  We will be able to help you plan for your future, whether this is for accommodation, ensuring a regular income, the possible need for long term care, or making provision for dependants.

It is at times like these that our situation, working within an established law firm, is extremely valuable as we can liaise with our colleagues on any queries regarding trusts, tax and property.  This all means we can come up with the most straightforward solution that is in your best interest at a time when your mind is elsewhere.

To find out more about how our Private Client team can support you following the death of a loved one, visit their pages here.

Are you a business owner?

People are one of the most important assets of any business, and key personnel should be insured in just the same way as other business assets.  Shareholder insurances should be considered in connection with business ownership, and this is an area where we can support you and your business.

For more details on how we work with businesses and shareholders, visit our Commercial pages.

Have you been made redundant?

A redundancy is a highly stressful time and your main priority will be to look for alternative work to secure your financial future.

You should consider the tax treatment of termination benefits and the availability of State benefits while you conduct your job search.  You should also review your existing investments to supplement a short term income, before thinking about future life assurance for the protection of dependants and pension arrangements in case benefits might be claimed.

If you have been made redundant and have questions about your rights, visit our Employment pages.

If you are in any of these situations contact us on 01329 222016 or email to make an appointment today. 

You are under no obligation to take all or any of the advice that is offered and, usually, the initial consultation will be carried out without any charge to you.   We can meet with you at any our offices, in Fareham, Southampton, Portsmouth or Chandler’s Ford and in certain circumstances we will also call at your home.

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Find out why so many of our clients choose to stay with us, by reading our latest testimonials.

To speak to one of our experts please call us

I felt I was dealt with in a friendly and efficient manner and didn’t feel intimidated.