Welcome to Evolution Financial Planning
Friendly advice from female financial advisers
Life presents us with a series of financial challenges. Some can be planned for – like a wedding or retirement – while others come when we least expect it.
That’s why financial planning is so important. It means you will always feel prepared for the changes ahead while putting you in the best position to achieve your long and short-term goals!
The diagram below shows our ages along the bottom and stages of life across the top. The red line represents our income – starting low and increasing through career peaks before reducing again in retirement – and the lines going across the grid highlight potential areas of need for financial advice.
No matter what your age or life stage, getting financial advice from an adviser you trust is key to your family legacy and personal success.
Work with us
We typically work with
You’re aware that you’re working more hours and earning more money, but perhaps you’re concerned about your spending habits and are worried you’re not saving enough. You know that financial planning makes complete sense, but never quite get around to it…
Perhaps you want to move up the property ladder or, if you have children, feel it is time to start saving for school or university fees.
You may also be thinking about organising legal guardianships for your children and want to ensure they’ll receive a lump sum should anything happen to you.
We can help with all these areas of planning. As holistic advisers, we’re able to provide advice around mortgages – which one is best for you and which lenders will offer the most money – and write wills.
We can give advice around guardianship and set up insurance policies with trust work ensuring your family’s future is protected.
We are also able to give investment advice so that your children’s university fees are covered, allowing you to relax in the knowledge they’ll leave higher education with little or no debt.
Plus, we offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
With your partner busy working, you’re left juggling all the other plates - including the home finances – and let’s face it, making all those decisions by yourself can be daunting.
Perhaps you’re concerned about your joint retirement plans or how you’ll pay future school or university fees for the children. Maybe your goal is to set up legal guardianship for your children and you want to be able to provide them with a lump sum should anything happen to you?
We are here to offer a second opinion. Think of us as someone to bounce ideas and concerns off. As well as providing you with advice on guardianship we can help set up insurance policies with trust work ensuring your family is protected.
We are also able to give investment advice so that your children’s university fees are covered, meaning you can relax in the knowledge they’ll leave higher education with little or no debt.
We can also offer advice around investment and retirement plans to ensure you’re in the best possible position later on in life.
Your business is going well and you’re paying yourself a salary but, now you’ve reached this massive milestone, you know there are other areas of your financial life which need attention.
Now that the business is working and profitable, it’s time to shift your focus to other matters such as sorting out your existing mortgage or reviewing your pension plan. You know you could do more with your earnings and wonder what else you could consider.
We can help you create the financial plans you’ve been putting off and support you in making sure all your finances are in order – after all, you’ve worked hard work to get here and want to make sure your efforts pay off.
For younger couples or individuals just starting out, things are no different to 20 years ago except house prices are much higher!
Making the right decisions about your mortgage - how long the term is and what type you need - is very important. After all, it’s probably the biggest financial commitment you’ll ever make.
You may be wondering where to start or what you should do to put yourself in the strongest possible position. How much can, or should, you borrow? Are there schemes which could help you up the ladder?
We can help you find the right mortgage for your circumstances, ensuring it is financially comfortable for you. We assist with the whole mortgage administration process, so you’ll always have someone to speak to.
Later on, we can advise on any protection needs you may have and even give you support in writing your will.
Getting your ducks in line in readiness for your retirement is super sensible and worth the time and effort, especially if you haven’t done this on a regular basis over the years.
You could be worried about all the paperwork and have no idea what your projected earnings would be at retirement. Or, you might have spare money and not know what else you should be doing to make the future secure.
We can help you review your pensions and give you advice on which steps to take to ensure you are in the strongest position.
Going through a divorce is a massive time of change and there are so many decisions to be made around where you live and how will you continue to pay the bills.
Everything comes into question - your Wills become invalid, your life insurance policies may need changing and, if you need to apply for a mortgage, you might not know how much you can borrow.
With so much information to deal with, we understand that deciding what to do can be overwhelming.
After getting legal advice, we are able to help you with all these areas. As holistic advisers we don’t just deal with mortgages or pensions, our team is able to give you guidance on all the areas you may be facing, making it easier for you to make decisions.
WHICH SERVICE DO YOU REQUIRE?
Our Service is broken into 5 sections depending if you are taking out a new product, needing to speak to an adviser which has pension and investment knowledge or if you need general advice.
OPTION 1 - Newbie (Specific Product Required Only)
- New First time Pension
- New First time Investment
- New Insurance Policy
- New Mortgage or review existing mortgage
- New Will
What is the process? The first meeting will be spent getting to know you, your current financial and personal circumstances as well as your financial aims and objectives over the next few years and long-term. Your advisor will take all the relevant information from you and some paperwork if necessary. They will then search the market for the most suitable financial products for you and your family in order to set you on the right track to fulfil all your goals and ambitions. They will prepare a report explaining all their recommendations. If you agree, they will then put the wheels in motion in order to set your financial plans up on your behalf. How much does it cost? New First time Pension - set fee along with ISA set up £850 for a single person and £1200 for a couple (ongoing management fees apply*) New First time Investment – as above New Insurance – no initial costs but any commission paid to us by a provider will be clawed back by them if the client cancels the policy. Therefore we wish to give solid long lasting advice. New Mortgage or review existing mortgage - £199 on application and £199 on offer Wills – From* £98 single and £168 couple (*meaning a simple Will without too much complexity) Ongoing management fees for investments/pension – This is where an IFA would support the client with a review of their financial position every year and review the plan set up. This charge can be taken from the plan itself or it can be paid by the client directly. This fee is charged between 0.50%-1.5% of the investment amount.
OPTION 2 - Holistic Financial Review with Investments
OPTION 3 - Holistic Financial Review without Investments.
OPTION 4 - Financial Plan Report
OPTION 5 - Lifestyle Financial planning
At Evolution Financial Planning, we believe that everyone should have access to financial advice, therefore, we don’t have minimum case sizes, for example, minimum mortgage amounts or minimum investment pots.
We also believe it is very important that our clients feel we're being transparent and open, therefore we have put this information together to help you understand what we can offer and how much it might cost.
If you have any questions regarding our charging structure or how we might be able to help, contact us today for free no obligations review.
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