Giving you confidence in your finances
As Independent Financial Planners we help you build a secure financial future
What we do
FINANCIAL PLANNING
We’ll work together to establish a clear financial plan and keep you on track.
TAX PLANNING
We can help you to get the most from your money.
INVESTMENT MANAGEMENT
Our investment ethos is to invest for the long term in highly diversified risk managed solutions.
LEGACY PLANNING
We want to help you establish a robust plan to leave as much as possible to your loved ones.
PROTECTION
We can give you the peace of mind of knowing that you and your family will be taken care of.
LATER LIFE SPECIALISTS
We specialise in planning for long-term care and helping later life clients.
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning.
How we do it
Getting to know you
We’ll spend time getting to know one another; what’s your current position, what are your goals for the future, what concerns you and understand how you feel about risk.
The Financial Plan
We will put together a clear financial plan and detailed recommendations for you.
Presenting the plan
We will meet again to present the plan, if you are happy we will sign paperwork to implement the plan and any recommendations.
Action
We will keep you informed at every stage and send confirmation when the agreed actions are complete.
Ongoing Review
We’ll get together at least annually to ensure the plan remains suitable, talk about any changes in your circumstances and discuss fund performance and fees.
Are you worried about:
How much you'll need to save for retirement?
When you can retire?
If your existing investments are appropriate?
How tax efficient your finances are?
Your potential Inheritance Tax bill and how to reduce it?
How to plan for paying for care fees for yourself or a loved one?
What people are saying
I’m a solicitor specialising in tax, trusts and estates. I’ve worked with Frederika for a number of years and cannot recommend her highly enough. Honesty, integrity, quality expert advice and no pressure sales tactics. Rest assured you’ll be in good hands with F&O.
Amanda Toner, Partner, Brabners LLP
Knowledgeable, efficient, reliable, and committed are just a few words I’d use to describe Frederika Clay’s work. She’s highly engaged and works tirelessly to help and support your investments. I couldn’t recommend her highly enough.
Nick Maloney
After the death of my grandad Frederika initially helped me navigate his investment portfolio and the information I’d require for the probate process. Following this she helped me open a Trust for my daughter, advising on the best areas to invest and steering me through the whole process. Frederika is professional, compassionate and knowledgeable - and I couldn’t have done any of it without her.
Scott Lambert