At every stage of life, the financial choices we make have an impact on our future and potentially on that of our loved ones. At Cowens Financial Planning we take time to understand your individual circumstances and listen to your hopes and dreams to help you plan for the future by making the right financial decisions.
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Financial Planning
Our financial planning experts have been helping people towards worry-free financial freedom since 1986. We build ongoing personal relationships with our clients based on trust, integrity and transparency. For us there is nothing more rewarding than helping our clients build a financial plan to protect their loved ones and achieve their future goals.
We can help you understand your financial position and capitalise on savings, investments and pensions to provide an income that allows you to feel secure today and sustain your lifestyle tomorrow. We simplify the complex so you have a clear path to maximise your assets, allowing you to manage and spend your money with confidence on the things that matter, rather than worrying about the ‘maybes’.
Our clients are diverse and we appreciate that life is different for everyone. We’re all so busy with the day-to-day – juggling work, family and social commitments – that our future and financial goals sometimes get left behind.
Our personal approach allows us to create bespoke plans designed to bring peace of mind even in an unpredictable world – in short we offer real results for real people. We care passionately that our financial planning solutions are effective, flexible and tailored to you. We all have a different vision of financial security, so we don’t presume to set boundaries, but can help with answers to questions such as:
- When might I be able to stop work, or work part-time?
- Will my money allow me to fulfil my dreams?
- How might we fund university fees, capital purchases or special holidays?
- Will my family be secure if I was unable to work through illness or death?
- Should I make investments?
- Are my current investments wise?
- How can I minimise my tax burden?
- How can I help secure the future for those I love?
Based on your unique life story and goals, we can help you focus on and identify your short and long-term objectives, then organise them into measurable outcomes, so you can enjoy freedom from financial anxiety and lifelong reassurance.
The Financial Planning Process
We strive to make the financial planning process transparent and enjoyable, delivering the highest standards of professionalism on your journey to financial freedom, whilst implementing our recommendations in the most cost-effective way.
We help clients to achieve their financial goals by adopting a structured approach which seeks to manage risk and minimise tax liabilities. The aim is to help build assets for the future and then advise on the most tax-efficient way to draw on those funds to provide the income needed for retirement. We also provide risk management services to ensure financial plans are not derailed in the event of unexpected circumstances such as premature death, critical illness or being unable to work as a result of accident, illness or injury.
In retirement our aim is to help you to maintain your lifestyle and relax and enjoy the rewards of your years of work. Legacy advice also includes inheritance tax planning, proposals to help protect assets for future generations and long-term care funding should that become appropriate.
Knowing that life is ever-changing we strive to maintain a lifelong relationship. Clients are supported by regular meetings with their financial planner to monitor progress and ensure financial objectives reflect any changes and remain manageable and positive.
The Financial Conduct Authority does not regulate Taxation Advice.
The value of your investments can go down as well as up, so you could get back less than you invested.
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.
Our Chartered Status
Chartered insurance brokers. Chartered financial planners. Your assurance of excellence.Cowens Financial Planning is proud to operate with honesty and integrity and to have been awarded chartered status by the Chartered Insurance Institute (CII), the professional body for insurance and financial services. This prestigious recognition – the industry’s gold standard – is currently met by only 800 out of 5,000 firms across the country and is bestowed only on those committed to developing the knowledge and capability of their employees in order to deliver only the highest quality advice.
