WHO WE ARE

Oakwood Financial Planning offers financial planning with clarity and integrity.

Deciding who to trust with your money is never an easy choice. With financial planning becoming ever more complex, there has never been a better time to take advice from a company that you can trust. Oakwood Financial Planning is proud to be able to offer the very best service with the aim of establishing long term relationships with our clients.

Oakwood Financial Planning was formed with the belief that high-quality, professional financial planning can only be achieved through a transparent service. Our strong belief is that everybody should be able to benefit from quality unbiased independent advice that is tailored to your individual requirements.

Oakwood Financial Planning aims to deliver the best possible financial and investment planning services to a diverse range of clients.

We do not just tick boxes and pigeon hole clients; we treat every client as an individual and value every client that we have. By establishing a one-to-one relationship with each client we are able to offer timely, individual advice.

Ultimately, our service is about giving you financial peace of mind.

CREATION AND PRESERVATION OF WEALTH

What wealth really offers you is the ultimate in choice; the choice of how and where to spend your time because, after all, it is your most precious commodity. There's a whole world out there to explore and a whole lifetime of experiences to be shared with family and friends; and part of our role is to maximise these choices and outcomes for you.

As you move through life's stages your need for the accumulation and preservation of wealth and the need to produce income will change.

When your financial objective is wealth creation you may be busy building a business or working on a successful career in your chosen occupation. You may have a substantial amount of income that needs to be invested for capital growth and it is vital to have a company working with you that you can trust to build your wealth through professional management.

In time you will have built sufficient capital to become financially independent. It does not necessarily mean retirement but places you in a position of many more choices. The emphasis from an investment prospective is likely to change to wealth management, with the probable objective of preserving your capital and generating higher levels of income whilst mitigating the tax you pay.

Careful estate planning could help ensure that the wealth you worked so hard to accumulate will be preserved and distributed to your heirs according to your wishes. We can provide you with a custom analysis that illustrates a broad range of estate planning vehicles and high-net-worth financial planning strategies.

There is more to wealth than merely accumulating money; it is the enabler for you to reward yourself for hard work and we help you use these rewards to generate more choices for you in the future.

Oakwood Financial Planning's aim is to will help you build, protect, use and pass your wealth on. We want all of our clients to keep together what they have worked so hard to put together.

The hurdles to a secure retirement are well known: inflation, taxes and increased life expectancies, to name a few If you wish to plan for a comfortable retirement. Oakwood Financial Planning can help you plan for income for as long as it?s needed in an uncertain life.

We all have hopes and dreams for ourselves and our families. Whilst there is no magic formula Oakwood Financial Planning can help you preserve the assets that you have spent years accumulating and generate the income when you most need it.

PROBLEM SOLVING

At Oakwood Financial Planning we are focussed on creating intelligent solutions for the financial problems that our clients have.

By working with our clients and using the wealth of experience that we have, we are well placed to create effective solutions. Your full participation in the decision making process will help you understand, address the issues and ensure you end up with the right advice.

We identify what really matters to you and then create a plan that serves you and the people you care most about. This will be unique to you and will be designed around your objectives and will constantly evolve and change as you go through life.

Planning personal finances can be difficult and also time consuming. There are so many factors to be taken into account and the range of alternatives can often be confusing. We have a commitment to providing clear and concise information, free of "jargon" and written in plain English.

Our ability to produce solutions that reflect your individual needs will enable you to plan your secure future with confidence and peace of mind.

SERVICES

Our aim is to ensure that you have the best possible independent advice when planning your financial future.

Our services include:

• Review of your existing financial arrangements
• Investment advice
• Tax planning including inheritance tax mitigation
• Retirement planning
• Family protection
• Long term care planning
• Equity release
• Mortgage advice

Review of your existing arrangements

When we undertake to do some financial planning with you it is vital to take into consideration your present financial arrangements. When was the last time you looked at your investments, pensions, life assurance and other financial arrangements that you have made?

Investment Advice

"To invest successfully over a lifetime needs a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework" - Warren Buffet.

Investing for growth or income or a mixture of both. Unit Trusts, Bonds, Investment Trusts, Portfolio Management, Cash Deposit, National Savings, ISAs, Unit Trusts and OEIC’s. Whatever your short, medium or long term objectives are, Oakwood Financial Planning will tailor an investment strategy to meet them.

Tax Planning

Paying as little tax as possible by planning a coherent overall strategy should form a central part of your financial planning.

The three main areas of tax are Income Tax, Capital Gains Tax and Inheritance Tax and they all interact with each other. If you do nothing then the Government will ensure that your hard earned wealth will end up in their coffers. Not planning is like planning to fail. With this in mind, Oakwood Financial Planning will help you take full advantage of tax saving opportunities open to you.

Inheritance Tax Planning

"There are only two certainties in life: death and taxes" - Benjamin Franklin

Inheritance Tax Planning could save your family hundreds of thousands of pounds in tax. The number of people who pay this form of tax is growing rapidly so will your total asset value provide the Inland Revenue with a tax windfall?

This is one tax that can be avoidable with careful planning. There are many options are available which may appear complex but with Oakwood Financial Planning's help this is often not the case.

Retirement Planning

If you believe that 'State Pensions' will keep you in the lap of luxury when you retire then you are very likely to be terribly disappointed.

It is vital to plan to try and ensure that you will be able to maintain the standard of living that you are used now. Personal Pensions, Stakeholder Pensions, Small Administered Schemes (SSAS), Self Invested Personal Pension Schemes (SIPPS).

When you have retired what thought have you given to ensuring that you have the best access to your pension benefits? We can look at the options available as these decisions will decide your income benefits for the rest of your life.

Protecting Your Family

When looking at financial planning it is prudent to ensure that the provision of adequate cash funds are available to meet the demands of unforeseen events.

When thinking about what is most important to you in life, without doubt you are going to think of your Family. Consider how your family would cope financially without you.

Protection is all above providing financial security for you and your family.

Live confidently knowing that your family will be in a position to live how you intend regardless of what happens to you. As Oakwood Financial Planning is completely independent we can find you and your family the best cover plans to protect you all at the best prices available.

Long Term Care Planning

Long term care insurance provides a planned way of paying for the cost of any long-term care a person may need immediately or in the future. Through either a lump sum payment in advance or regular premiums people can buy insurance to cover the cost of care in their own home, or in a residential or nursing home. It is usually intended to bridge the gap between a person’s income and the cost of care, rather than to meet the full cost.

Local authorities mean test individuals and if an elderly person has more than about £18,000 in assets they will get no help towards fees.

Another reason to think about this area of financial planning is that you may wish to protect your assets for future generations.

Equity Realise

In retirement how often have you heard the phrase 'Asset Rich –Income Poor'? This is quite often the case as people live in a property that has grown in value considerably but where their pension income is possibly not keeping pace with general living expenditure.

With Equity Realise you raise a loan which is determined by your age and the value of your property. After repaying any outstanding mortgage, the balance is available to you to spend or invest as you think fit.

Mortgage Advice

Let us find a mortgage that’s best for you. These days there are many different lenders offering countless mortgage deals. Whether you are a 1st time buyer, re-mortgaging, buy-to-let or a commercial mortgage, Oakwood Financial Planning is able to research the market and find a mortgage that is right for you from over 7,000 that are available.

We will ensure that you are happy whether you have a fixed, capped, discounted or variable rate. Once you’ve decided on the type of mortgage that you wish to have, we’ll also ensure that you have taken the necessary steps to repay the mortgage.

TESTIMONIALS

At Oakwood Financial Planning we are very proud that the vast majority of our new clients come from referrals from existing clients with whom we have built a trusted, solid relationship and who are very satisfied with the advice and service they have received.

The strength of our client relationships is founded on our total commitment to deliver the highest levels of independent advice suited to our clients' needs and always striving to exceed our clients' expectations.

"Andrew has advised me, and other family members, on numerous investment and pension issues for many years. His advice is always well researched, carefully considered and clear. His attention to administration and matters of detail is excellent. Andrew has great personal and professional integrity and on the basis of our dealings over the years, I have absolute trust in him."

Michael P. Retired Financial Director of Vodaphone

"Andrew has successfully advised our family for many years on both investment and pension matters. What was very impressive about Andrew's initial approach was that he did not push various products or vehicles at us like many advisors, but rather listened carefully to our requirements and our risk appetite before returning with a bespoke solution for our investment needs. Andrew is always meticulously prepared, very pro-active and takes time to ensure we fully understand the commitments we make. He has become a close friend and we trust him explicitly."

Mario P. Biotech Executive

"Andrew has been my financial advisor for 10 years, dealing successfully with all my family's investment and pension matters. He spends considerable time understanding our current and future needs, providing proactive planning and advice and bespoke investment solutions that match our changing investment requirements. Andrew has become a friend of the family and we value his personal and professional integrity and have complete trust in him."

Paul K. Former Director of Quintiles; Management Consultant

"For more than 10 years Andrew has been a good friend and a trusted adviser when it comes to my family's financial affairs on both investment and pension matters. His meticulous and detailed planning has helped guide us through complex investment issues, particularly those relating to time spent abroad for family members under expatriate status. As a family we have complete faith in Andrew and his ability to provide sound investment advice in these turbulent economic times."

Doug C. Oil and Gas Industry Consultant

"Andrew has been financial adviser to my wife and I since 2002 and has been invaluable in helping us make key financial decisions in the light of changing circumstances. He has come up with a number of innovative and appropriate solutions to meet our needs and has proved to be completely reliable and trustworthy. We are happy to regard him as a friend as well as an adviser."

Brian L. Retired Director of an International Paint Company

"Myself and my wife first approached Andrew for advice in 2005 and we have been a client of his ever since. Andrew's advice was clear, well thought out and invaluable. We feel we have been treated with honesty and integrity, which is why Andrew will continue to be our adviser."

James G. Business Consultant for International Insurance Company

CLIENT CHARTER

We expect to develop a long-term partnership with you, to help you achieve your lifetime goals.

This charter acts as a 'letter of engagement' and is a statement of what we consider to be best practice.

• We will act with integrity, honesty and openness in everything we do for and with you
• We will always act impartially and your interests will come first at all times
• We will treat you fairly, as we would want to be treated ourselves
• We aim to fulfil the financial planning needs of clients to the best of our ability
• We will maintain client’s confidences, whilst adhering to the letter and spirit of applicable laws and regulations
• We will be totally transparent with regard to our dealings with you
• We will provide service to clients and their beneficiaries with no undue delay and we will aim to meet agreed deadlines and where we cannot we will update you as early as possible
• We adhere to professional standards of conduct in advising clients for protection and attainment of financial security objectives
• We will avoid any action likely to prejudice the financial well being of clients
• We will present accurately and honestly all the facts essential to clients decisions
• We will co-operate with others whose services are related to meeting the needs of clients
• At all times we will conduct business to a high professional standard

BE BETTER INFORMED

At Oakwood Financial Planning we believe that clients should have the opportunity to be better informed.

Here you will find our magazine Talking Money; you will be able to read both the latest and past issues.

The magazines are full of information and practical financial planning ideas and you can read about topics that will help you make more of your money, from retirement provision to wealth protection to investment matters.

Talking Money November - December 2011

Talking Money September - October 2011

Talking Money July - August 2011

Talking Money May - June 2011

Talking Money March - April 2011

Talking Money January - February 2011

(Magazines are PDFs which will open into a new window)

CONTACT US

Please contact us to discuss your requirements. Oakwood Financial Planning's head office is in Cardiff, but we work with clients throughout the UK.

We will arrange to meet with you for an initial review, with no further obligation and no cost to you. If you prefer we are more than happy to travel to your home to meet with you.

Our normal opening hours are 9.00am to 5.30pm Monday to Friday.

Telephone: 0845 4661200

Facsimile: 0845 4661900

Email: info@oakwoodfp.co.uk

Address: Oakwood Financial Planning, Temple Court, Cathedral Road, Cardiff, CF11 9HA

Oakwood Financial Planning looks forward to hearing from you.