Paul Read
Financial Planning Consultant DipFA, CeMAP, MLIBF in Ringwood
A little bit about Paul
I offer Financial Advice that is tailored to you. Based on considerable experience in the financial sector. My aim always to help businesses and individuals take a holistic view of their financial position to help them achieve their objectives. I would be delighted to speak with you and offer expert recommendations, whether you’re seeking advice for yourself, your family or your business.
I offer advice on most areas of financial planning and will refer you to an appropriate in firm specialist for more niche areas. I for example am a specialist in final salary work as well as the services listed below.
Mortgage Service - Paul offers a comprehensive mortgage service, helping a full spectrum of clients, from buyers in regular employment, through to contractors and the self-employed. He can help with first time purchases, re-mortgages, and buy-to-let. Whatever your circumstances, Paul is confident he can help you get the most appropriate rate, tailored to suit your individual needs.
Family and business protection - Paul can assist his clients to explore and understand the potential personal & business risks that could arise. He can then provide options for protection against these risks, enabling the client to prioritise and decide which risks they feel are the most important to cover.
Retirement planning – Modern retirement planning is complex, as often life plans and tax rules change throughout our lifetime. It is vital to make sure that you are getting the most out of your current holdings, in order to help you achieve your long-term financial independence aims. Regular reviews are advisable and Paul will be happy to assist you in these matters, transferring or unlocking old pensions and setting up new work or personal pension schemes where advisable.
Personal portfolio planning – Choosing how and where to best invest your money can be time-consuming and confusing. In wealth management and investment planning, there are a lot of factors to consider, such as tax efficiency, risk, volatility and performance. Paul can help guide you through this complex area, helping you to understand which type of investments best suit your portfolio and plans.
Paul is happy to meet clients at their homes or place of work. Please contact the office to arrange an appointment.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.
Start the conversation
Let’s talk about getting your finances in a better place this New Year, and in the ones that follow.
Contact me today
Gifts that give back
What’s your New Year’s resolution? We associate January with a flurry of gym subscriptions and better eating habits. But what about the health of your finances? Here’s how I want to encourage everyone to make their money work harder this year:
- Look back
Did your circumstances change last year? It’s easy to overlook life changes when you’re in the thick of it - things like pay rises, promotions, or moving house. Similarly, the latest Budget might have introduced new financial regulations you’ll need to consider. In a review, we can look at how those changes might impact you. - Look forward
What do you want to achieve - not just this year but in the future? Are you planning to expand your family, or maybe focusing on retiring early? Whatever your priorities are, I can use a cashflow model to help you see if your financial strategy is in line with those goals. - Take small steps
With the right help and guidance, there are surprisingly simple changes you can make. Switching to a higher interest savings account, for example. Or finding opportunities to reduce your outgoings (like scrapping unused subscriptions) and investing that money instead. We can identify those small opportunities, and look for bigger ones too - like getting you on the right track to make sure you have the income you need for retirement.
Let’s make a plan for the year ahead and get January off to the best possible start. Just get in touch and we’ll agree on a convenient time for a meeting or call.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 26 November 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.
Mortgage
First time buyers, remortgages, buy-to-let.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate 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.