top of page
Confidence in your financial future.
At Bowden Financial Planning, we work with you to provide clarity around your money and your future.
We love to work with...
Confused about your finances?
You're not alone.
Most of our clients first came to us when they were worried or confused about their money. You may also have the following challenges:
Gaps in your retirement
Many people in the UK are not saving enough for retirement. According to the Financial Conduct Authority (FCA), only 42% of adults with a pension are confident they are saving enough for retirement. Without professional guidance, you might not choose the best pension schemes or investment strategies, potentially leading to a shortfall in retirement income.
Investing in the wrong things
Independent financial planners provide tailored investment advice, helping you to avoid unsuitable or high-risk investments. The FCA's Financial Lives Survey found that 1.3 million UK adults have purchased unsuitable investment products. Without professional advice, you may fall prey to investment scams or make poor investment choices.
Lack of Tax Efficiency
The Chartered Institute of Taxation notes that many individuals miss out on tax-saving opportunities due to a lack of knowledge and planning. Professional financial planners can advise on tax-efficient investment strategies, potentially saving clients significant amounts of money. For example, using ISAs and pensions to their full advantage.
Inadequate Protection and Insurance
A significant number of UK households lack adequate life insurance or critical illness cover. According to a survey by Zurich, 38% of UK adults have no life insurance. Without independent advice, you may not be fully protected against unforeseen events, putting their financial stability at risk.
Poor Estate Planning
The Law Society estimates that around 60% of UK adults do not have a will. Without professional advice, clients may face higher taxes and legal fees, and their assets may not be distributed according to their wishes. Effective estate planning can help mitigate inheritance tax and ensure that more of an individual’s wealth is passed on to their beneficiaries. However, many people do not have a will or have not planned adequately.
More than money.
We believe our clients deserve to feel confident in what they own, why they own it and how it is going to contribute to the financial future of them or their family.
.png)
Imagine knowing what your future looks like?
Good financial planning helps you to do this.
We believe that financial planning shouldn't be solely focused on products, investments or money.
Our philosophy is centered around our clients and helping them to get the most out of their lives.
.png)
Personalised Financial Planning
Our clients receive bespoke financial strategies tailored to their unique circumstances, goals, and risk tolerance. This ensures that every financial decision aligns with their specific needs and aspirations.
.png)
Tax Efficiency
Our clients benefit from tax-efficient investment strategies that can reduce their tax liabilities and increase their net returns. This includes utilising ISAs, pensions, and other tax-advantaged accounts.
.png)
Enhanced Retirement Readiness
With our professional advice, our clients can create robust retirement plans that maximise their savings and investments, ensuring a comfortable and secure retirement.
.png)
Comprehensive Risk Management
Our clients receive advice on appropriate insurance and protection plans, ensuring they and their families are financially secure against unforeseen events like illness, disability, or death.
.png)
Optimise your Investments
Our independent financial planners help our clients build diversified and balanced investment portfolios that aim to achieve their financial goals while managing risk effectively.
.png)
Organise your Legacy
Our clients can plan their estates to minimise taxes and ensure their assets are distributed according to their wishes. This includes creating wills, trusts, and other estate planning tools.
We use the best planning technology available.
Our financial planners use a technology called Cashflow Modelling to help our clients to see what their future looks like and create various different scenarios around your money.
Our Services
Our full financial planning is designed to support across various different areas of your personal financial situation.
Testimonials
John - do you have any of these?
bottom of page