Chatsworth Financial Management Ltd

Services We Offer

As Independent Financial Advisers, we are able to offer our clients advice on products from every financial product provider in the UK.

Furthermore, we are able to offer specialist expertise in the area's of:

Investments & Savings

Wealth Preservation

Protection

Retirement Planning

In addition, via our professional connections, we can provide access to information relating to a whole range of other complimentary services, as detailed below:

Accountancy Services

The area's can include Tax Planning, Self-Assessment Returns, etc

Banking Arrangements

These area's can include Retail Banking Facilities (e.g., cheque accounts/personal loans, credit cards), Finance and Borrowing options, etc 

Legal Services

These area's can include items such as Will's, Estate and Long Term Care Planning, Litigation, Family Law and Commercial & Corporate work etc.

Retirement Planning

We can help you avoid the "pension timebomb" by advising you on the complex area of retirement planning.  Once we have agreed your objectives, we will recommend a plan that will aim to help you to improve your income prospects when you retire and, with your agreement, monitor it each year with the aim of ensuring it is on track.

Proper pension planning now will provide you with increased financial security in retirement.  The only worry you should have is where to book your next holiday!  

Capital Investment & Savings

"Are you happy with the interest received from your Bank/Building Society?"

"Do you think your money is working hard enough for you?"

"Are you paying too much Tax?"

Chances are, your reply to the questions above will be "NO", "NO" and "WITHOUT A DOUBT!"

Many people today are migrating from traditional providers such as Banks and Building Societies to more specialist providers, with a view to improving their potential returns.

Whether you are looking to achieve capital growth or income or looking to save for a rainy day, we have many options available to suit your risk tolerance.  For example, it is unlikely that someone who has always held their funds in a deposit account will want to invest all of these monies in, say, a technology fund. 

Once we have agreed your objectives and risk profile, we will help you select the most suitable product from the most suitable provider. 

This means you should benefit from unbiased advice and select the most appropriate product to match your financial needs.  In addition, it may be possible to reduce the amount of tax you pay on your existing investments or savings.

Whether you are a first time investor or more financially experienced, we will be delighted to help you choose the right option for your current circumstances.  

* Please note that these investments do not offer the same security of capital which is afforded with a deposit account

Wealth Preservation

Tax can make a substantial difference to the returns on savings and investments during your own lifetime.  Unfortunately, since the Finance Acts of 1984 your estate may have to pay Inheritance Tax (IHT) as well!

As a result, your intended beneficiaries may not inherit what they might have been expecting.

Long Term Care (LTC) costs could dramatically reduce the value of your estate if you need to apply for home/residential or nursing care. 

However, for both of the situations highlighted above, we are able to recommend a suitable course of action, based upon your current financial circumstances.

As independent financial advisers, we have access to the entire maket place in products that could help provide a solution.  In addition, through our professional connections, we can also put you in touch with other complimentary organisations.

Protection Plans

Many people save for a rainy day but few people actually consider the impact of long term ill health or premature death.

"What would happen to you or your family if you suddenly became ill and were not able to return to work for an unlimited period of time?"

"Would you be able to cope financially?"

"How would you pay your bills?"

"How would your family cope?"

There are many types of different protection plans available in the market place and it is essential that you are aware which protection plans are suitable in your circumstances.  A single person need only plan with themselves in mind, whereas a married person may have dependants to consider.

Some of the plans available include:

Life Assurance

Critical Illness

Permanent Health Insurance

Mortgage Protection Plans

and that is only the start!

It may not be the most appealing area to plan for, but failure to do so could lead to extreme hardship and put additional pressure on loved ones at a time of emotional distress.  We can help you put together the most appropriate protection package for your circumstances at the most competitive premiums.

Accountancy, Banking & Legal Services

Through our many years of dealing in financial services, we have had the opportunity of forging close working relationships with other professional's including Accountancy, Banking and Legal practices.

Whilst we are not authorised to provide advice in these areas, we can, with your agreement, refer specific tax planning, finance and legal requests to the appropriate adviser.