Wealth

We work closely with our clients to offer advice on all aspects of wealth management. We seek to provide guidance on retirement planning, investments, estate and succession planning.

With ever-changing rules and regulations surrounding our client’s finances it has never been more relevant.

Our experienced and qualified advisors, backed by a para planning service ensure you receive the best possible advice both initially and ongoing.

We aim to match clients attitude to risk to their investments and utilise the available tax breaks to ensure that they make the correct and efficient investment decisions.

The value of pensions and investments can fall as well as rise, and you can get back less than you invested. Tax treatment, reliefs and allowances depend on individual circumstances and are subject to change.

Retirement Planning & Investments

Understanding your needs, goals and objectives, to enable us to plan and implement a solution tailored to you, and then reviewing that plan to ensure that it remains in line with your objectives, changing circumstances, taxation and legislation changes.

Agreeing your Goals

Saving for Retirement

Your Retirement Options

Tax Efficient Savings

Agreeing your Goals

Before we make any recommendations, we will make sure that we understand your hopes and aspirations, and your attitude to risk and return. This will draw us a picture of what you want to achieve. This process also allows you to understand what to expect from us and how you will benefit from using our services. Typically we will cover the fee for this part of the process.

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Saving for Retirement

We will help you build a plan for your retirement. We will discuss when and how you may want to retire, and help you gauge how much you will need for the lifestyle you would want in retirement. Retirement is a much more flexible event than in the past and we can help you move towards it with a plan in place that we will monitor with you to ensure that your plans remain on track.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

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Your Retirement Options

Especially with the recently introduced Pension Freedoms, the options open to you are wide as you reach retirement. We can help you to explore the options and help you to make the right decision for you, especially around helping you achieve the income you need, with a level of risk that suits your views.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

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Tax Efficient Savings

Whether it be plans you already have in place, or new plans that we may recommend, one of our key intentions will be to have these set up in ways that make the most of government tax reliefs and allowances. We will make sure you do not miss out on important tax reliefs and allowances, that once gone are gone forever. We will ensure that you make the most of these allowances and reliefs as we continue to work with you.

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

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Reviewing Your Plans

Allowances & Tax Reliefs

Balancing Risk & Reward

Managing Your Income

Reviewing Your Plans

As a starting point, and as part of gaining an understanding of you and your needs, we will get to know what plans you have in place that you can utilise in the plan that we will build together. We will check that these are set up correctly, and advise on any action on these plans as part of our recommendations to you.

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Allowances and Tax Reliefs

Many tax allowances and reliefs are time limited, and are open to change by legislation or budgets. We will check that your existing plans are making the most of these, and we will recommend that any new plans that we may recommend are set up in a way which maximise these allowances. Where we set up an ongoing relationship, we will remind you of these allowances so that you can continue to benefit, and also let you know when there are budget or legislation changes that may affect you.

Tax planning is not regulated by the Financial Conduct Authority.

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Balancing Risk & Reward

We will discuss with you the trade-off between risk and reward and use advanced tools to understand your views on taking risk with your money. We will then tailor your recommendations around these views, to help you feel comfortable with the journey that we set out with you.

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Contact us

or

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Managing Your Income

Whether before or after retirement, we can look to manage your income to balance your need for income now and having sufficient capital in the future. We will help ensure that your plans are set up in wrappers that will keep the tax you need to pay on that income to a minimum. We will make sure you do not miss out on important tax reliefs and allowances, that once gone are gone forever.

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

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or

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Estate Planning

Auto Enrolment

Director & Shareholder Planning

Employee Benefits

Estate Planning

We will look to balance your need for income and capital for you and your needs with your desire to leave a legacy for the generations after you. We will help you structure your plans with an eye to the potential Inheritance Tax liabilities on your death, and then afterwards for the future generations of your family. This will take in to account existing plans and those that we may recommend for you.

Estate planning is not regulated by the Financial Conduct Authority.

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Auto Enrolment

We can help you through the complexities of the Auto Enrolment legislation, taking away much of the work in choosing and establishing your scheme, and we will then ensure that you remain compliant with the legislation. We can help your employees to understand their plan, and what you are providing for them.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

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Director / Shareholder Planning

If you are a director or shareholder of a small or medium business, there is a lot to consider to ensure that both your family and your business are protected if you were to unfortunately die or suffer an illness that keeps you away from the business for some time. We will look at plans to ensure that the business could continue and look at the importance of ensuring that those that would inherit your share of the business are able and willing to take it forward.

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Employee Benefits

If you are an employer looking to attract and retain quality staff, we can discuss benefits package to suit various budgets and help you fit these in with your business. We will also advise how these benefits will impact on your business taxation.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Contact us

or

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A collaborative approach

We work closely with our clients to offer advice on all aspects of wealth management. We seek to provide guidance on retirement planning, investments, estate and succession planning.

With ever-changing rules and regulations surrounding our client’s finances it has never been more relevant.

Our experienced and qualified advisors, backed by a para planning service ensure you receive the best possible advice both initially and ongoing.

We aim to match clients attitude to risk to their investments and utilise the available tax breaks to ensure that they make the correct and efficient investment decisions.

Management Team

Bio

Paul Merrigan

Group CEO

Bio

Dave Owen

Wealth Sales Director

Bio

Diane Holmes

Development Manager / Financial Planner

Management Team

Paul founded Lifetime in 1998 with the objective of becoming the most trusted provider of financial advice. Ensuring that clients receive the best possible advice was the inspiration behind the formation of his award winning software company 360 Dotnet. Paul continues to innovate and believes that you have to earn the right to become a clients’ trusted adviser of choice.

David joined the financial services industry in 1987 and has worked at Legal & General as well as holding senior roles at HSBC Global Asset Management. He has a vast amount of experience across all aspects of the industry and is an advocate of putting clients at the centre of everything that we do. Outside of work, David enjoys family time, food, long dog walks and competitive cycling.

Diane has been with Lifetime for over 12 years acting in both a client advisory capacity, and supports the integration of new advisers into the company. She has been in the Financial Services industry for 34 years and joined Lifetime having previously worked in the bancassurance world.

Advisers

Dominic Quibell

Financial Planner

Chris Tydeman

Financial Planner

Graham Connor

Financial Planner

Paul Salisbury

Financial Planner

Bryan Chipchase

Financial Planner

Justin Vincent

Financial Planner

Joe Maguire

Financial Planner

Paul Williams

Financial Planner

Kelly Bliss

Financial Planner

Mike Granville

Financial Planner

Paraplanners & Customer Support

Sam Cartwright

Financial Planner and Senior Paraplanner

Karen Dawes

Wealth Administration Support

Jacques Basson

Paraplanner

Margaret Brady

Customer Support

Matt Rowland

Trainee Paraplanner

Jenny Curlew

Customer Support

Daniel Robertson

Trainee Financial Planner

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