Planning for retirement is likely to be the most decisions in your personal finance plans. The Government changes the rules around retirement often. When to retire? How much money will I need? What about my future travel and spending plans? I have older plans, which don’t make sense. What are my options?

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    There are many ways of saving for your retirement – and many ways of taking your retirement income. Of course, you want to pay as little tax as possible. That is why getting your plans right now can pay great rewards when you need the income later in life.

    Every plan will have varying performance and different associated costs. Which plans do you need and which will give you the best income in retirement?

      Types of retirement plans
    • SIPP
    • Section 32
    • SASS
    • Retirement annuity contract

    The way to find out is to book your FREE one-hour retirement planning review. It can be made at a time and place that suits you. Our retirement planning experts can help you make sense of all your plans. We talk to you in plain English and help you accurately forecast what your pension income will be. Call us today on 0151 601 5922 and start planning for the retirement you really want.



Financial Planning is a process in which we help you forecast your financial future. Every pound of income and planned expenditure from now until the day you die is included.
See how your finances will play out if you were to retire earlier, travel more, gift money to your children or upgrade your car every year.

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    By asking you what your life goals are now, right at the beginning of the planning process, we can help you keep focused on what your finances should be doing for you and your family.

    We will ask challenging questions about your future and why you wish to do things in a certain way. When your draft report is complete, we will go through the findings with you to see if what you wish to do is affordable and what effects certain circumstances may have on your life (such as one partner dying early). Then, right in front of your eyes, we can model any scenario you can imagine: retire one year earlier, spend £10,000 per annum on holidays over the next five years, travel to Australia to tick off a bucket list goal… The list is endless, and you will eventually realise what is – and what is not – going to be possible. It is the first time in life you will see your finances in such detail.

    Choose the life you really want and get to see what is possible with your own financial plan. Get started now by calling our independent financial planners on 0151 601 5922.



The UK mortgage market offers new deals every single day. With so many offers on mortgage rates and the range of charges for setting up the deal, choosing the right one for you can be a minefield. Our advisers run a fully independent mortgage comparison on your behalf, showing you all of the options available to you.

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    Just looking for the lowest headline rate may cost you more in real terms over the whole life of the deal. If you want to ensure you are getting the best deal in the marketplace; one that is right for your circumstances; contact our adviser team at Assured Wealth today.

    In finding the best mortgage deal for yourself, you have three main decisions to make:

    Decision one:  Do you choose repayment or interest only?
    There are lots of things to think about here, and it’s not as straightforward as it may seem at first.

    Decision two:
     Do you then choose fixed rate or variable rate?

    This depends on your outlook and how much income flexibility you have each month. Could you afford your mortgage payment if it were to rise by 5%? If yes, then variable may be your best option.

    Decision three: 
    What length of mortgage should I chose?

    When do you intend to stop working? Do you want to pay your mortgage back early and use surplus mortgage payments to fund travel in later life? Through understanding your goals in life, this will make such decisions easier.

    To help you to explore all your options we offer an independent mortgage advice service. Call Assured Wealth and Estate Planning to book a FREE review or find out more by visiting the personal mortgage advice page on our website.



When you are no longer around, would you like to ensure that the fruits of your life’s labour goes to who you wish?
Just having an up-to-date and valid will may not give you the full protection you need. Only by creating a detailed estate plan can you ensure that your assets will be protected from various risks.

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    An effective estate plan looks like this:

    A Valid Will
    • If you have children under the age of 16, your will ought to determine who would bre responsible for them in the event of your death.
    • Nominate the people you trust the most to carry out your wishes. They are the executors and trustees of your estate.
    Power of Attorney (s)
    • There are two types: Property and Affairs and Health and Welfare. These legal documents effectively allow someone you trust to look after your legal affairs for you if you are away from the UK for some time, or if you become incapacitated.
    • Without these legal documents, your bank accounts may be frozen, income may not be paid to a spouse or partner from your pension or investments, and you will be unable to renew insurance or file even your tax return. In such a case, you would have to apply to the court for a deputyship order costing upwards of £2,500.
    • Various Trusts can allow you to protect your property or savings from creditors, unreliable beneficiaries, and prevent your children losing benefits if they were to become ill or disabled. Upon your death, your estate has to go through a legal process of probate. This can take up to nine months, in which time your loved ones cannot sell assets until the grant of probate has been issued. Anything held inside your own trust avoids this long and sometimes costly process.
    • How would you feel if social services put your children into care because you didn’t make a valid will?
    • How would you feel if your partner became impoverished because you didn’t make a will?
    • How would you feel if your family were forced to pay excessive legal fees because you didn’t make a will?
    We can help, reassure and advise you on:
    • How can I avoid the state taking all my life savings once I am gone?
    • How can I avoid leaving uncertainties and problems for my family to sort out?

    Call our Liverpool Estate Planning team today on 0151 601 5922 and book a FREE one-hour consultation.

Why Choose us


Investment portfolio review


Cash flow modelling


Fully Independent


FCA regulated


Financial planning


Estate planning qualified


Pension transfer specialists


Occupational pension specialists


All types of mortgages


Care fee planning


Low cost fees


Corporate planning


Wealth management


Retirement planning


Inheritance tax mitigation

Not sure what's right for you? Let us help you decide.

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