Financial Planning & Wealth Management

If you’re a business owner, contractor, entrepreneur, or umbrella company employee, it’s essential to have a well-structured, process based financial plan in place. Particularly if you’re the sole earner in your family. A financial / wealth management plan with Danbro Financial Planning can help you clarify your long-term goals by streamlining both your personal and business finances to help you establish where you want to be and what you need to do to achieve your ambitions.

For over two decades, Liam, our Director and Independent Financial Advisor, has been helping people like you plan their financial futures. He’ll work with you to create a personal financial plan that:

• Paints a detailed picture of your financial position, income status and objectives with the goal of making your money go further.
• Ascertains how much income you may be able to generate from existing or future  assets.
• Clarifies what options you have for spare funds left in your company.
• Helps you put together an ’employee style’ benefits package in a cost effective, tax efficient way.
• Helps you practice careful budgeting, sensible spending and tax planning, making you more tax efficient – without jeopardising your compliance.
• And, ultimately, gives you the security and peace of mind that you and your family deserve.

Investments

When it comes to investments, it should come as no surprise that our approach is very much plan first, portfolio second. We believe in diversifying investments, keeping costs to a minimum, and investing in line with an approved plan of action. Patience, discipline and strategic thinking are virtues when it comes to successful investment portfolios. At Danbro Financial Planning, we have these qualities in abundance.

Providing professional guidance and support on investments is a cornerstone of our comprehensive financial planning and wealth management service. We’ll look at any and all options to build a successful investment portfolio that represents you and your interests. Whether it’s property, bonds, ISAs, stocks & shares, mutual funds, or tax driven investments such as Enterprise Investment Schemes (EIS), Seed Enterprise Investment Schemes (SEIS), Business Property Relief (BPR), Venture Capital Trusts (VCT), and packaged IHT plans, we’re on hand to help. And, of course, we cater for – and indeed often champion – sustainable, ESG methods of investment too.

What’s more, as independent advisors, we’re not beholden to any particular provider or fund manager. So, we have the freedom to recommend a tailored investment strategy that’s exclusively in your best interests. Our expert team prefer an evidence-based investment strategy, oftentimes tending towards index tracking investments over actively managed funds. But, rest assured, your investment plan can be as simple or sophisticated as you want it to be depending on your personal objectives and risk profile.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. EIS, SEIS, BPR & VCT products are high risk products and not suitable for the majority of retail clients. You could lose the value of your investments.

Pensions & Retirement Planning

For many people, retirement can be a daunting prospect. That’s why we strive to help our clients get to where they want to be at a pace that suits them. Our objective is to help you manage your pensions and investments effectively, to ensure you have the requisite funds for the retirement you want.

So, whether you’re considering early retirement but aren’t sure whether your finances will allow it. Or, if you want to consolidate various pension plans from previous jobs but don’t know where to start. Perhaps you want to make your pension ‘do more for you’ as you approach retirement. Don’t worry, at Danbro Financial Planning, we’ll help you understand and organise your finances, so that you won’t just survive, but thrive in a happy and prosperous retirement.

What’s more, when it comes to inheritance, will writing, and estate planning, whilst everyone’s ambitions are different, their overarching motivations remain broadly the same: ‘I want to leave as much as possible behind for the ones I love’. And, ‘how do I make sure my assets go to the people I want them to?’

This is where we come in. Whatever your circumstances, our director and independent financial advisor, Liam, will help you build your retirement/estate plan, measure your progress, and give you a clear idea of how and when you’re likely to meet your goals. So, take action now to secure the future you want for you and your family.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. The Financial Conduct Authority does not regulate will writing, inheritance, or estate planning.

Insurance & Protection

‘What will happen to my family if something ever happens to me?’ It’s not a question any of us ever really want to find out the answer to. But, unfortunately, if you don’t take proactive steps to put proper protection in place, you’re putting yourself, your family and your future at risk.

As part of the Danbro Group, we’re well aware of how busy life can be as a limited company director or small business owner. We’re also all too aware of how many entrepreneurs have insufficient levels of protection when it comes to their health and finances, particularly those who have less cover now than they did in previous positions of employment.

From Life Assurance and Critical Illness Cover to Income Protection and Home Insurance, we’ll help you implement a well-structured contingency plan and identify precisely what policies you need from a selection of suitable products and providers. Our team will help you plan for the unexpected, identify risks, and help ensure you’re well placed to save money and plan ahead. And, we have the necessary knowledge and expertise to ensure that you and your family receive the maximum possible from any and all policy pay-outs.

With a level of care and diligence that you won’t get from any price comparison site, our dedicated team will seek to secure the future that you and your loved ones deserve. Find out more, here.

Insurance & protection plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.