Nick Winter
Chartered Financial Planning Consultant, Chartered MCSI DipPFS DipFA in Alton
A little bit about Nick
As a Chartered Financial Planning Consultant, I offer tailored financial planning and advice services to individuals, families, and businesses. Whether you’re preparing for retirement, investing for the future, passing on wealth, or managing tax planning, I’m here to help you navigate the ever-changing, often complex financial landscape to secure your financial future.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
General Insurance
Home contents insurance, buildings insurance.
Chartered Member
- 'Chartered' is the most respected indicator of professionalism. Attaining Chartered status is challenging and takes commitment. Not only does the adviser complete the relevant advanced qualifications they also have to demonstrate a consistent record of Continual Professional Development (CPD).
Diploma in Financial Planning
- The Level 4 Diploma in Financial Planning from the Chartered Insurance Institute develops core technical understanding across a broad range of key financial planning areas.
Diploma for Financial Advisers
- The Diploma for Financial Advisers from the London Institute of Banking and Finance is the primary award for financial planners that develops core technical understanding across a broad range of key financial planning areas.
Testimonial 1
With retirement approaching, my wife and I decided that it would be a good time for a full review of our financial situation to help ensure an enjoyable and worry-free retirement.
Nick took the time to really get to know us, and made us think about what we actually wanted our money to do for us. He put together a detailed life plan, as he called it, which demonstrated how our income, savings, investments etc would meet the cost of our desired lifestyle in retirement.
Using a cash flow forecasting tool modelled on our income, savings, investments and expenditure he was able to demonstrate different 'what if' scenarios to see the effect these would have on our financial position. It transpired that Nick found that we had an inheritance tax liability and using the 'what if' was able to show that we could mitigate this without it impacting our retirement plans. He also noticed that our Wills were linked to some trusts that were set up in 2006 and had become outdated and no longer effective in achieving what they were originally designed for.
Thanks to Nick, all of this has now been resolved. Nick did a thorough job and it was clear from the outset that my wife and I were front and centre at all times and he wasn't just trying to sell us something. I am confident to recommend Nick for any financial advice and have indeed done so already to a close family member.
Testimonial 2
I needed advice on investments and retirement planning and have been greatly helped with this by Nick over the last five years. From the start, Nick impressed me with his knowledge of investments and pensions and the related legal and tax issues. He is always focused on my overall goals and offers advice that makes sense in that context. He prepares well for our meetings and follows up any required actions promptly.
I have to admit that sometimes I take a while to make decisions or take necessary actions myself, and here Nick helps by prompting me. I'm happy with how my investments have performed and that the long term plan we have agreed makes sense. I really can't find fault with the service Nick has provided.
Testimonial 3
Nick has been incredibly helpful, patient and professional throughout the entire process from initial contact through to transferring my pensions. He is knowledgeable and approachable and a pleasure to work with. Every interaction I have had with Nick has been positive and productive, at a time of great change and uncertainty in my life. Nick was not only able to recommend great investment solutions with regard to transferring and consolidating my pensions, he also spent a considerable amount of time listening to my needs.
Nick always addressed any concerns promptly, explaining financial terminology in a user friendly way. In addition to this, he also advised me on life insurance options and gave lots of general financial tips and tricks to help me streamline my administration, paperwork and my life in general!
Nick Winter's location
I have clients all over the country and I can offer advice either in person, over the phone, or via Teams.
I live in Alton with my wife Emily, our son Jack and Wallace, our pigeon chasing, sock stealing cockapoo. I enjoy cooking, golf, frequent visits to the cinema, and spending time with friends and family.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.