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personal financial planning

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Why do I need a personal financial plan

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Our Services:
Retirement Planning
Investment and portfolio management
Tax Planning
Cashflow Modelling
Equity Release

What is financial planning?

We work together to help you face your current challenges as well as build foundations for a secure future. Every financial plan is different, it evolves as we take into account your life changes and the inevitable ups and downs of the economy.

After we have established your goals, we determine how much money you need and when and put the most suitable solutions in place to help you achieve them. Our investment process is designed to suit your attitude to risk and we will never put your money anywhere you are not completely comfortable with.

We will meet with you regularly, scanning ahead and recalibrating the plan to make sure your finances stay on track.

Personal Finance Portal

All our clients have access to PFP, a secure online area to view your investments and keep in touch.

With end to end encryption we use PFP to send you messages - much easier and more secure than e-mail. PFP shows your portfolio of investments in real time. You can set financial goals and keep track of your progress. You can even link other accounts such as bank, building society, credit cards and loans so you can get a full financial picture all in one place.

Investment and portfolio management

At FMB, our strength is in financial planning, but an important part of that is helping clients decide on the best place to put their money. After thirty years we have seen many financial fads come and go. We have developed a process based on managing clients needs combined with assessing their approach to risk. Then we find the best investment path for each client. We do not try to pretend that we have the resources to scan the global markets for the best investment opportunities. Be wary of any adviser who claims to! The investment market is complex and fast changing and it takes more than reading the FT to make good decisions.

Planning for your retirement

Often the most significant objective in a financial plan is achieving a secure retirement.

For some people this can’t come soon enough, for others the thought of finishing work fills them with dread. The most important factor is ensuring you have confidence that when you do stop earning you have enough money to last. On the flip side, wouldn’t it be a shame to discover you could have retired a few years earlier and still had enough money to achieve all you wanted in retirement.

Planning ahead allows me to relax knowing my family's future is in safe hands

Tim Rumney

FMB have been looking after my finances for many years. They help me to plan ahead and keep a clear sight of my future finances, with sound advice on how to make the most of my money.

Cashflow Modelling

Financial planning uses the same approach businesses use to plan their strategy. We apply the same cashflow forecasting techniques to your personal finances.

Using specialist software, (a powerful spreadsheet with a user-friendly interface), we can enter all the relevant data about your assets, liabilities and income and manipulate it to see how the outcomes change. It's a really visual way for us to show you different scenarios that could affect your finances.

Tax Planning

Everyone has a different attitude to tax, but most people would be happy to pay less! At FMB we take an ethical approach to tax planning, working with incentive schemes allowed by HMRC usually to generate investment in start-ups, smaller companies and certain industries.

Equity Release

We have been providing independent financial advice for over 30 years. We believe in a holistic approach so will assess your full financial situation to make sure you have considered all options that are available to you and that might include "Equity Release" or a lifetime mortgage.

Equity Release has changed dramatically over the last few years and with more choice and flexibility than ever before, it is always a good idea to obtain advice from a well-qualified and experienced professional to ensure that any product chosen is suited to your needs. Especially as once undertaken, Equity Release is unlikely to be reversed.

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Get in Touch

FMB Financial Management Bureau Limited, Shenstone House, Helsington, Kendal, Cumbria LA8 8AA. Telephone: 01539 725855 Email: info@finman.co.uk

Financial Management Bureau Limited is authorised and regulated by the Financial Conduct Authority.
Financial Management Bureau Limited is a limited company registered in England and Wales. Registered office: Shenstone House, Helsington, Kendal, Cumbria LA8 8AA. Registered number: 02089786
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

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