Zest Financial Consultants
about us
IFA Partners receive the backing of positivesolutions to be able to work effectively with their clients. We believe in using technology to its maximum advantage, utilising the latest cutting edge software and processes to develop the best solutions for clients needs.

zest is a trading style of of Positive Solutions, one of the largest IFA organisations in the UK, and uses leading technology and constantly updates knowledge to help in the advice process.

zest's purpose is to answer clients' needs in a continuously evolving and increasingly complex financial environment.

zest offers a professional service for clients who need objective assistance in organising their personal or corporate financial affairs to more readily achieve their financial and lifestyle goals.

zest advises on a wide spectrum of financial planning matters. These include pre and post retirement planning, including a pension transfer service, investment planning, equity release and a comprehensive mortgage service - all backed up by advice on financial protection against death, illness and disability.                          

zest commitment:                                   

zest aims to create long-term relationships, to understand clients' needs and to provide a service of the highest ethical standards and integrity.

zest's aim is to help clients' to understand, protect and increase their assets.  zest will only advise after having made a full assessment of your needs.

zest Service:

zest works with a broad range of clients with many different financial planning requirements, from single policies or mortgages to complex portfolios of investments, both locally and nationally.

The principal areas of financial planning that zest can help you with are:

Protection: ensuring you have appropriate cover for you, your family and your business.

    • life assurance
    • critical illness protection
    • income protection

Pensions: planning your retirement and the level of income required.

    • reviewing new or existing pension plans
    • arranging personal or company pensions
    • advising on pension transfers 
    • advising on stakeholder, personal and SIPP plans

Investment and savings: making best use of your capital and surplus income.

    • ISAs, Investment Bonds, unit trusts and OEICs

Mortgages: advice on mortgages and repayment strategies

    • guidance on the best mortgage arrangement for you
    • Equity Release
    • Buy to Let mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOAN SECURED UPON IT

Equity Release Schemes:

To understand the features and risk, ask for a personalised illustration.

Check that this type of mortgage will meet your needs if you want to move or sell your home or want your family to inherit it.

For our  Equity Release Service (Lifetime Mortgage or Home Reversion Schemes)  we charge a typical fee of £400 and for our ordinary residential mortgage service we charge an typical fee of £250 - the precise amount will be dependent on your circumstances. These fees are in addition to any procuration fee we may receive from the Lender.

Estate preservation and Inheritance Tax mitigation:

    • making best use of personal allowances
    • tax mitigation via trusts and second death insurance plans 
    • legacy creation                                                         

Positive Solutions is not responsible for advice on taxation matters. The Financial Services Authority does not regulate on taxation matters.

Zest Financial Consultants is a trading style of Positive Solutions (Financial Services) Ltd. 

                                             

Terms of Business

       
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Zest Financial Consultants is a trading style of Positive Solutions (Financial Services) Ltd. Positive Solutions is authorised and regulated by the Financial Services Authority.
Registered as a Limited Company in England and Wales No. 3276760. Registered Head Office: Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY Tel: 0871 700 1111 Fax: 0871 700 0010