Diploma in Insurance & Financial Planning attained in May 2012.STEP AffiliateBespoke investments for the Credit Union sector: Extensive knowledge of regulations pertaining to suitable investments. Experience in large investments, counterparty risk, capital protection, liquidity Personal & corporate financial advice as an IFAEstate Planning ConsultantMy experience of being a consultant has shown me that there is a lack of access to a solution combining both financial advice & estate planning. These two areas are hugely interdependent and which should be considered in tandem. A lot of my time involves complementing or, indeed, amending existing advice to design a bespoke solution that combines these two worlds. Advice is therefore driven by how best to preserve wealth as much as generate it. As an IFA I seek to use tax-efficient products such as Pensions & ISA's combined with VCT & EIS's, where appropriate, which can help deliver the overall solution when used in conjunction with appropriately drafted in-house Wills & Trusts service. Every client is unique and so every solution is personal to their family or business. Typical areas covered include protecting cash & property from Long Term Care, protecting assets from bankruptcy, divorce, remarriage and IHT, corporate solutions including cross option agreements with the use of Trusts. Protecting land ownership with suitable Bloodline Planning.Estate Planning Warning Signs:assets owned jointlysigning house over to your childrenover-use of ISA'sjoint life assurance plans simple Will (all to spouse)spouse has died - ask about Deed of Variationunaddressed Inheritance Tax liabilityAsk about our free consultation service.Specialties: Independent Financial Advice & Estate Planning including areas of Inheritance Tax, Long Term Care, Life Cover, Investments, Protecting assets from divorce, bankruptcy, re-marriage of surviving spouse. Enduring Powers of Attorney.