Stacey Arcus
Chartered Financial Planner, FPFS and Pension Transfer Specialist in Hebburn
A little bit about Stacey
Chartered Financial Planner & Pension Transfer Specialist. Fellow of the Personal Finance Society. ‘Top Rated Adviser 2024, 2023, 2022 and 2021’ as featured in The Times!
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.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
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.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Pensions
Expert advice to help provide comfort in your retirement.
Mortgage
First time buyers, remortgages, buy-to-let.
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.
Advanced Diploma in Financial Planning
- The Level 6 Advanced Diploma in Financial Planning builds on existing skills and knowledge, enabling advisers to develop specialist planning capabilities and offer a sophisticated and comprehensive approach to financial management.
Certificate in Mortgage Advice
- The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.
Certificate in Pension Transfer Advice
- Level 4 Certificate in Pension Transfer Advice develops the in-depth knowledge and practical skills by anyone seeking to advise on the transfer of safeguarded benefits, an increasingly important part of the advice process following the Government's pension reforms.
Award in Long Term Care Insurance
- Develops knowledge and understanding of long term care cover, including legal, taxation and regulatory issues and the responsibilities of local authorities.
Chartered Financial Planner
- 'Chartered' is the most respected indicator of professionalism. Attaining Chartered status is challenging and takes commitment. Not only does the adviser complete the Advanced Diploma course, 5 years of industry experience is also required before the status can be awarded.
Wayne M.
Stacey has been amazing and feels part of the family now!
She listens carefully to our needs, challenges our thinking and guides us where appropriate, explains things easily and is very pragmatic.
I have a great plan now to help me be confident about my retirement plans.
Joanne M.
We are approaching retirement age and needed advice on our pensions.
Stacey carried out a full financial review and gave us reassurance we can retire at 55.
We transferred to Quilter and feel so relieved that Stacey is looking after our whole family finances.
Graeme S.
I am nearing retirement and needed advice to consolidate the various pension pots I have including a final salary one.
Stacey went through all my pensions and got updates on them, she then gave me a report on the various options available to me, along with advice in planning for my retirement.
Following this she then transferred my pensions into one new portfolio, gave sound advice on what to do with my final salary pension and sorted all the paperwork going forward.
I am very happy with the advice Stacey gave me, I now have a good understanding of the options available to me as I near my retirement and Stacey is always only a phone call away.
Tony C.
I was looking at setting up a lifetime annuity for 4 separate pension funds and, Stacey provided details of all my options so I could consider the best pension type before deciding on a lifetime annuity.
She gave excellent advice, provided updates at all times on progress and assisted with additional queries and assistance to ensure that transfers and setting up of annuity was completed on time.
The final lifetime annuity provided exactly what I required and rates that were higher than I originally expected - everything was first class and have no criticism whatsoever!
Jacqueline H.
Stacey helped me to look at my available options for early retirement and make an informed decision which was best for me.
Throughout the whole process she kept in regular contact, letting me know how things were progressing.
I don’t feel that Stacey could have done anything better!
Sharon C.
I wanted to transfer a Defined Benefit pension and was struggling to find an adviser with the necessary skills.
I knew after my 1st conversation with Stacey that I was in good hands.
The process was complex and took some time but I was kept informed at every stage. The advice given has enabled me to retire at age 56 and be confident that my future retirement is financially viable.
I would highly recommend Stacey to anyone looking for financial advice!
Stacey Arcus's location
Stacey is located in Hebburn and offers expert financial advice to suit your needs.
I help people achieve their financial goals! I am able to provide advice in the following areas:
• Final Salary/Defined Benefit Pension transfers
• Retirement planning
• Pensions in Divorce
• Tax-efficient savings & investments
• Tax and Trust Planning
• Long Term Care
• Life/Health/Business Protection
• Mortgages An avid motorsport fan, a bit of a bookworm and human to a spoilt rescued street dog from Mauritius.
After spending many years living and working abroad, I still enjoy travelling and experiencing new cultures (but mainly the food!)
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.