Your Future. Secured.

Wealth Management and Financial Planning focused on your future.

You are at the centre of everything we do. We give you peace of mind by helping you identify, achieve and maintain your desired standard of living without fear of ever running out of money.

Our independent financial advice simplifies and streamlines your financial affairs, reducing what you pay in tax and increasing what you have to spend on the things you enjoy.

We specialise in working with people approaching retirement or who are already retired.

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How it works:

We get to know each other

We listen to what matters most to you about your future. Everyone has different priorities and we’ll work out exactly how you stand financially based on your existing investments, policies and spending patterns. We’ll show you how this matches up to your hopes for your future.

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We create a financial plan, unique to you

This ensures that you will be able to secure the future you want. We’ll show you what needs to be done to ensure that your money works for you to ensure that you can enjoy your lifestyle without worry about what might happen down the line.

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Keep track of your portfolio anytime anywhere

Via your smartphone, tablet, computer or by lifting the phone or dropping into the office.

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We meet for annual “on track” review meetings

We keep in touch regularly and the annual meeting gives you confidence that all your financial affairs are in order and keeps us up to date with any changes to your circumstances. We’ll show you whether or not you are on target to achieve your goals.

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We are proud to carry the double-circle Accredited Financial Planning Firm mark which says we are accredited by the Institute of Financial Planning (IFP), the professional body for Financial Planning in the UK

Find out what this means for you

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Director

David Gibson

LLB, DipPFS, CFPcm, MAQ, CeRER.

Graduating with a Law degree from Queen’s University, Belfast, David entered financial services in 2001. He has obtained Certified Financial Planner status – CFPCM is recognised as the global symbol of excellence in Financial Planning. David is a member of the Chartered Insurance Institute, the Personal Finance Society and the Institute of Financial Planning. David is the chairperson of the steering group of Oasis Causeway, a local charity providing emotional and practical support to help people rebuild their lives after circumstantial change, trauma or crisis. When he isn’t working he unwinds on a motorbike, at a Crossfit gym or in the great outdoors with his young family.

“In an industry that struggles to adopt change, David Gibson stands out as an innovative business owner who embraces change and seeks new opportunities to develop his organisation in all aspects. His clients will be all the better for it!”

Nicholas Redfern, True Potential LLP

CLI CFP

Our Clients

We are very much focused on providing a “peace of mind” financial planning and wealth management service to those who are about to retire or who are already retired. The needs of those who are retired or about to retire are very different to those of, for example, a much younger person who is focused on accumulating wealth and raising a family. Our clients have reached a stage where their priorities have shifted from making money to looking after what they have, making sense of it all and ensuring that they have enough to last their lifetime. At retirement you need to make smart decisions about how best to access your pension funds and in many cases, how to take income tax efficiently from your investment portfolio. We look at all your available assets and paint a picture of how they all can fit into your planning. Together we work out how much money you’re going to need over your lifetime and when you plan to spend it. You’ll most likely have plans to spend more in the early years of retirement than you do in the later years when you are less able to enjoy your wealth. At that point priorities can shift towards passing money to the next generation in a tax efficient way while still ensuring that you have the resources you need to live out your days in comfort and to provide for any future care costs. If this resonates with you then we have so much to offer. Over the years we have put in place processes to guide you through the initial stages of planning for retirement, to empower your decision making at retirement and to be careful stewards of your wealth. Please contact us for a no obligation consultation in our offices where we can answer any questions you might have and explain how we work in more detail.

Services

Our Services

We give you a strategy for a secure future, a future which sees you achieve your hopes and dreams.  By listening to what’s important to you and establishing what you want to achieve in life we can put together a plan to ensure that you will never run out of money, always having the resources to enjoy your chosen lifestyle.  We are with you each step of the way, ensuring that you remain on track to achieve both your lifestyle and financial goals.

Services

Our Investment Philosophy

Why Invest?

Most people ask this question and in some cases the answer is that maybe they do not need to invest but there are some facts which must first be considered:

We are all living and working longer.  Our money needs to last longer and work harder for us. We can work out how much you need to invest and how much of a return you require to achieve a secure future. So what should we do? Should we hoard our money under the bed? Leave it on deposit in the bank or building society? Invest in the stockmarket?

If you think of your money in terms of food storage: some of it you’ll keep in your larder for immediate consumption, some of it will be in the fridge for medium term needs and more will be kept in the freezer for long term usage. We do not operate a one size fits all approach and you can rest assured that your portfolio will be designed with your goals and needs in mind.

Our investment philosophy

Making prudent decisions about your assets and building on what you have is key to securing your financial future.  History shows that the long-term investor will be rewarded for putting their capital into the system.