Planning for your retirement is probably the most difficult part of your personal finances to get right. Retirement contracts differ greatly and the UK Government change the rules around retirement quite often. When to retire? How much money will I need? What about my future travel/spending plans? I have all these old plans and they don’t make sense. What are my options?

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    There are so many different ways of saving for your retirement and subsequently taking your retirement income, whilst trying to pay as little tax as possible. That’s why getting your plans into the right place now, can pay great rewards when you need the income in later life.

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

    Each plan comes with a different forecast, has varying performance and different costs associated to it. Which ones do you need and which ones will give you the best income in retirement?

    The way to find out is to book a FREE one-hour retirement planning review at a time and place to suit you. Our retirement planning experts will help you make sense of all your plans, talk to you in plain English and help you to accurately forecast what your pension income will look like. Call us today on: 0161 464 9122 and start getting the retirement you really want.



Financial Planning is a process in which we help our clients to see their financial future in great detail. Every pound of income and planned expenditure from now until the day they die.
See how your finances play out if you were to: retire earlier, travel more now, gift money to children, up-grade your cars every year. The plan evolves around what you want your life to look like.

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

    We will ask you challenging questions about your future and why you wish to do things in a certain way. When your first draft report is back, we will sit down with you and go through the findings to see if everything you wish to do is affordable and what affects certain circumstances may have on your life (one partner dying early for example). Then in front of your eyes, we can model anything you want: retire one year earlier, spend £10K per annum on holidays now for the next five years, travel to Australia in five years to tick off a bucket list goal. The list is endless and you will eventually come to realise what is and what is not possible. It’s the first time in life you will have seen your finances in such detail.

    So chose the life you really want and get to see what is possible with your own financial plan. Get started today by calling our independent financial planners on: 0161 464 9122.



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

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    Simply looking for the lowest headline rate may cost you more in real terms over the life of the deal. So if you want to make sure you’re getting the best deal in the marketplace that is right for your own circumstances, contact the adviser team at Assured Wealth today.

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

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

    Decision two:
     Do you then opt for fixed rate or variable rate?

    This generally depends upon your outlook and how much flexibility you have in income each month.  The risk of rates rising from their current levels may catch quite a few families out.  Can you afford for your mortgage payment to rise by 5% each month?  If yes, then variable may be your best option.

    Decision three: 
    What length of mortgage should I chose?

    When do you plan to stop working?  Do you want to pay the mortgage back early and use surplus mortgage payments for travel in later life?  By understanding your goals in life, this will make this decision easier.

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



When you are no longer around, would you like to ensure that your life’s work go to the people you really want it to?
Having an up to date and valid will, may not give you the full protection you need. Only by having a detailed estate plan, can you ensure that your assets will be protected form various risks. Part of that plan would be to ensure that if you were to lose capacity, the right people would take care of your affairs.

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    An effective estate plan would look like this:

    A Valid Will
    • If you have children under the age of 16, your will should determine who would look after them in the event of your death.
    • If you have property or other assets over the value of £5,000, then your valid and up-to-date will should express to your family and loved ones, what you want to happen after your death.
    • Nominate those people you trust the most to carry out your wishes. They are your executors and trustees of your estate. These people will carry out all the practical things after your death.
    Power of Attorney (s)
    • There are two types, Health and Welfare and Property and Affairs. By setting up these legal documents, you effectively allow someone you trust to manage your legal affairs for you, if you are away from the UK for a period of time, or become incapacitated and can not manage your own affairs.
    • Without these legal documents, bank accounts may become frozen, income may not be paid to a spouse or partner from a pension provider or investment, and you will not be able to renew insurance or file your tax return. In that event you would have to apply to the court for a deputyship order costing anything from £2,500.
    • Various Trusts allow you to protect your property or savings from: creditors, unreliable beneficiaries, children losing benefits if they were to become ill or disabled and relied upon benefits to help them.
    • On your death, your own estate has to go through a legal process of probate. This can take up to none months, in which time your loved ones can not sell assets until the grant of probate has been received. Anything inside your own trust avoids this long and sometimes costly process.
    • How would you feel if your spouse/partner became impoverished because you didn’t make a will?
    • 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 family had to pay excessive legal fees because you didn’t make a will?
    We can answer, reassure and advise you on the following:
    • How can I avoid the state getting my life savings once I am gone? How can I avoid leaving uncertainties for my family to sort out?

    Call our Manchester Estate Planning team today on: 0161 464 9122 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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