I am a qualified Independent Financial Adviser with 18 years' experience working within the financial services industry. I started my career in the banking sector working part time for HBOS whilst my two daughters were at primary school. During my career I have also worked for CIS (Cooperative Insurance Services), HSBC Bank and the Chambers Partnership Ltd.
I have significant experience in all aspects of financial services. I build a close relationship with my clients and look in detail at their whole financial circumstances, so that I can provide financial advice that is tailored to their needs and long term objectives. Importantly, the relationship is ongoing, built on trust and encompasses the many changes that occur during the clients and their families lives.
I have significant experience in all aspects of financial services. I build a close relationship with my clients and look in detail at their whole financial circumstances, so that I can provide financial advice that is tailored to their needs and long term objectives. Importantly, the relationship is ongoing, built on trust and encompasses the many changes that occur during the clients and their families lives.
Services
At Lyles' Independent Financial Advice Ltd (Lyles' IFA), we can advise you on a wide range of financial planning areas, encompassing Pensions and Retirement, Investments and Insurance products. We will give tailored advice appropriate to your needs and objectives. We provide independent financial advice to clients from all backgrounds and walks of life.
Instead of leaving all your money in bank accounts that pay little or no interest, you can invest in products, which give your money real potential to grow. You can also use your capital to invest in products, which can provide you with additional income. We will carry out a detailed assessment of your investment needs and your risk profile and can recommend the most suitable course of action from the many options available.
The state pension only provides a basic income in retirement and if you really want to enjoy your retirement - continuing your existing hobbies, taking up new ones, travelling etc. - it is likely you will need to make additional provision.
Far fewer people have access to a generous final salary occupational pension schemes than was the case a generation ago and the age at which you can take your state pension is also set to rise several times in coming decades.Life expectancy is rising and your retirement may last for much longer than you had ever anticipated.
Far fewer people have access to a generous final salary occupational pension schemes than was the case a generation ago and the age at which you can take your state pension is also set to rise several times in coming decades.Life expectancy is rising and your retirement may last for much longer than you had ever anticipated.
If the worst was to happen, could your household manage without your income? Could your family continue to have the same standard of living and could your children afford to go to private school or university? Even if you have no dependents, the cost of a funeral could be more than you think and who would pay your mortgage?
Whether it's income tax, capital gains tax, inheritance tax or corporation tax, the taxman plays a significant role in our lives and the taxation system in the UK is notoriously complex. Whilst we cannot totally avoid paying tax, there are many ways you can re-organise your financial affairs so that your tax burden is reduced.
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