We offer extensive Independent Financial Advisory and Wealth Management services for Individuals, Businesses and Trustees.  

Much of our core activity is Lifestyle Financial Planning with the aims being to generate, protect and preserve capital and assets, and maximising growth and income efficiently and specifically in line with your risk profile and changing requirements as life progresses.  

A wide range of options and resources are available to give effective flexibility and efficiency - whether reviewing existing arrangements or considering new investment.  This activity includes funds held in pension plans, general investment funds (including ISA) investment portfolios and trust arrangements.

Simon Cox is the principal adviser, with Hilarie Lindley managing the practice administration and information support team - combining many years' experience in the financial advisory sector.

A full Review and Report service for all or any existing arrangements is a cornerstone of our activities - and an integral part of our ongoing services and commitment to our clients. 

'' A disciplined and individual approach is taken to ensure arrangements for all clients are structured for maximum efficiency and performance...as an IFA Partner with Positive Solutions, we are able to offer the benefit of national resources combined with full local and personal support services. ''

As a broad overview, our main areas of activity include:

* Flexible Investment Planning and Wealth Management -  Personal and Business, income or  growth - or both - to include tax implications and related planning assessment - to ensure your specific needs and requirements are achieved (Positive Solutions is not responsible for, nor does the Financial Services Authority regulate advice concerning trust and taxation matters). 

* Individual and Business Retirement and Pre-Retirement Planning  -  all options and approaches reviewed and summarised, including Self Invested Personal Pensions (SIPP),  Directors and Partnership profiles and Group Pension solutions - to help you take control of all your retirement planning needs...

* Pension Annuity Comparison Service - make the most of any 'Open Market Option' on your existing pension arrangements - to include enhanced rates for certain past or present medical conditions.

* Matters arising from Divorce or Separation circumstances - support and guidance on relevant financial aspects arising...

* Inheritance Tax Assessment and Planning -  an increasingly important area of consideration with a wide range of options and approach.  (Positive Solutions is not responsible for, nor does the Financial Services Authority regulate advice concerning trust and taxation matters)

* Protection -  Life assurance, Critical Illness and Income Protection -  Personal and Business to help provide for the unexpected...

* Keyperson and Shareholder Protection Arrangements - assess and ensure your investment in a Keyperson (could be yourself! ) in your business is properly and efficiently covered.  Shareholders in any business can be particularly vulnerable without fully realising it, placing their families and investment in a business at potential risk - we can help to assess and action as may be required.

* School and Education fees planning

* Home Equity Release facilities - Individual,  specialist advice and guidance(Check that this type of mortgage or facility would meet your needs if you want to move, or sell your home, or you want your family to inherit it.  This is a lifetime mortgage or home reversion plan.  To understand the features and risks, ask for a personalised illustration)

* Mortgages and Remortgages - full range of services available...

* Business and Commercial Mortgages and Finance - wide range of facilities available  (Positive Solutions is not responsible for advice on commercial finance matters. The Financial Services Authority does not regulate advice on commercial finance matters).

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A free initial consultation is provided in all circumstances

The choices for method of payment for our services will be explained and detailed during initial consultation as approproriate.