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.
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For advice on starting the new tax year or reaching your long-term financial goals, get in touch.
Contact me today
Could you be more financially savvy this tax year?
March, and spring more generally, is often a time for fresh starts. And now your tax allowances are getting one too. The new tax year begins on 6 April, giving you time to plan how you’ll use all those new allowances to your advantage.
Take your ISA allowance. It can be tempting to leave it until the last minute to use it up. But, if you’re able to pay into it at the beginning of the year, you’re potentially getting a whole extra 12 months of time for your savings to grow.
A review right at the start of the tax year, or just before it, can also help us spot if there are any tax incentives you could use throughout the year.
You might be surprised just how many people don’t do this - and miss out on money that’s rightfully theirs. These tax incentives can be things like increasing your pension contributions or charitable giving to help offset your income tax.
I can also draw up a cashflow model to bring this to life. The model allows us to explore and compare different strategies and scenarios, so you can see the difference it will make to your long-term finances and goals.
If you want to find out more about the savvy financial strategies I could help you with this tax year, feel free to get in touch.
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.
Tax Planning is not regulated by the Financial Conduct Authority.
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.
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's location
Alton
Hampshire
GU34
United Kingdom
Nick is located in Alton and offers expert financial advice to suit your needs.
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.