Working people
Working People
You may be many years away from retirement. You might be raising a family; perhaps considering private education, and therefore wondering how to cover school fees. You may be working your way up the career ladder, or running your own business. What all of our clients have in common is the desire to plan for tomorrow, whilst enjoying today!
How can we help?
We will:
- Assess your current financial situation
- Understand your goals and aspirations for the short term and the long term
- Formulate a financial plan to help you to achieve your goals
- Deliver the plan, managing the relevant paperwork and ensuring that it’s implemented as smoothly as possible
- Offer regular reviews of your situation and adapt your plan if necessary, ensuring that there’s a back-up plan for the unexpected!
Having a financial plan in place will give you the confidence to face the future. We’ll provide you with bespoke, one-to-one support to ensure that your plan will work for you and your family.
Please remember that the value of investments, and any income from them can fall as well as rise, so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.
Relevant services
It’s never too early to start planning for your retirement and putting money into your pension. We’ll help you understand the important questions, including:
- How much do I need to save now to retire comfortably?
- Will I be able to do everything I want in retirement?
- When can I afford to retire?
- Can I lower my pension charges to achieve a larger fund in retirement?
With access to the entire market, we can provide a pension plan which meets your individual needs.
Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.
There’s a huge range of investment options available; deposit accounts, stocks and shares ISAs, unit trusts, OEICs, investment bonds, structured products and more. All clients want to know the best way to invest their money, however, the best approach is rarely simple, and has to be appropriate to the individual and their attitude to risk. We undertake diligent research and present our advice in a concise, understandable way. We focus on recommending products and investment portfolios that have the following features:
- Performance is consistent with risk levels
- Charges which reflect value for money
- Tax efficiency
Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.
If you are moving home, considering buying your business premises or simply looking for the best re-mortgage deal, we can provide mortgages for the following property types:
- Residential
- Buy-to-Let
- Let-to-Buy
- Self-Build
We have access to the whole of the mortgage market. This means that we will find a competitive product for you which is the most appropriate for your needs. We do not advise on commercial mortgages or bridging loans, but have established links with commercial lenders who we can refer you to.
Your home may be repossessed if you do not keep up payments on your mortgage.
When it comes to planning for the unexpected, it’s essential that you consider protection. This will provide an income for you or your family should you die, become seriously ill or are unable to work. We offer independent advice on various insurance products including:
- Life assurance
- Accident, sickness and unemployment cover
- Income protection/permanent health insurance (PHI)
- Critical illness cover
- Serious illness cover
- Private medical/health insurance
We’ll ensure that your policies are appropriate to your needs and provide good value for money. We can often replace existing policies for ones with lower premiums.
Helping you plan for today, tomorrow and the unexpected
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I highly recommend Mark Bastable. After a detailed Financial Review, he patiently explained my pension options and advised me on tax and inheritance implications. All my emails were promptly addressed, and his responses were clear and easy to understand.
I have been using Templegate Financial Planning Ltd for investment and pension advice many years. They have just advised and moved several pensions into a drawdown account for me, all the years working and paying pensions are now coming to fruition. There was a lot of research and work in moving the pensions over, Templegate kept me informed and guided me through all the documents needed. The use of a secure portal was used for for all the communiction, so I felt safe throughout the whole process. I trust the advice and impatiality of Templegate Financial Planning Ltd and will continue using their services into the future. Would we recommend using the services of Templegate Financial Planning Ltd? An unreservedly big Yes!!
“What could they have done better?” Nothing at this stage. “What were the circumstances that caused you to initially look for an adviser?” Reached my early 50’s having taken no financial advice, so initially looking for an initial health check on pensions and some investment advice going forward. I was keen to establish a ‘retirement plan’ with a realistic timetable to make some sensible financial decisions. “How has Mark Bastable helped you?” Pension transfers and fund advice. ISA selection and discussion on wider investment choices that are available. Informal advice around tax planning and given me some encouragement to think about IHT planning in years to come. “Have you seen the outcome you were hoping for?” Yes definitely. Marks advice has prompted me to finally start to think seriously about a retirement strategy and beyond.
Mark began advising my wife and me a few years ago, and we’ve been thoroughly satisfied and confident in both his advice, guidance and approach ever since. What stands out most is his ability to help us make sense of what is, to us, a very complex financial world. Our needs have mainly centred around general investments, pensions, and long-term planning. More recently, we inherited a range of offshore and onshore bonds spread across several investment houses. We had little idea what they truly comprised or how best to manage them. Mark went out of his way to produce a clear, thoughtful, and detailed report that broke everything down: what the bonds were, how they were structured, what actions we should consider, and the tax implications of each option. His ability to translate financial jargon into plain English made the whole process understandable and manageable. He has a personable, patient manner that makes conversations easy and productive. We always walk away feeling more informed and far more confident than we ever expected to. I’d happily recommend Mark to anyone looking for clear, trustworthy advice in the often-confusing world of finance.
I used advice from Templegate Financial Planning to prepare for retirement, move into drawdown, and recently to purchase an annuity. Mark proactively advised me as government legislation changed the financial landscape, making it desirable to reduce the size of my estate. He clearly laid out the various options. When I chose to purchase an annuity, I used his services to select the best provider and set it up. I have found Mark to be proactive, knowledgable and thorough, and his fees to be very reasonable.
I chose Templegate after managing my mother's estate via a large financial company for many years whose service was consistently underwhelming. Templegate's assessment of the financial position, and implementation of the changeover was quite complex and took quite a while to achieve, but I received a good personal service, thoroughly researched and at a lower cost than the previous company. I look forward to being able to receive personal advice for my mother's changing needs instead of a short annual telephone review that was offered under the previous company.
Stewart said, in answer to these questions: 1. What could they have done better? “Nothing he was very good.” 2. What were the circumstances that caused you to initially look for an adviser? “I had pensions that I felt needed managing as I am not financially savvy.” 3. How has Mark Bastable helped you? “Managed my pensions and finally got me a good deal on an annuity.” 4. Have you seen the outcome you were hoping for? “Yes.”
Mark has provided me with financial advice for many years and recently has conducted a full pension review which led to moving funds to a new company resulting in a more modern and easy to access account that really suits my needs. Mark is very responsive, pro active and answers all questions in an easy to understand manner. Highly recommended!
Feedback from Steve to questions asked: What could they have done better? Nothing. What were the circumstances that caused you to initially look for an adviser? Pensions and ISA advice. How has Mark Bastable helped you? As above plus wider discussions around sensible financial planning and what expectations I should have form my current financial position. Have you seen the outcome you were hoping for? Yes. I am happy with the pension advice and ISA recommendations over the last 3 years.
I would highly recommend Mark Bastable of Templegate Financial Planning . He will give you solid advice that will definitely benefit your future finances. Everybody has different needs and plans , my ideas and my circumstances were certainly different from any other of his clients. However Marks strength is that he will listen very carefully then make suggestions that are more suitable to you personally. Giving a true tailor made service. His response time is remarkable, he always replied to my many, many questions instantly.
I met Mark a little over a year ago to hopefully take over my pension management from another Financial Advisor. I found Mark to be extremely thorough, pulling information out of me I didn’t realise I knew. The upshot is a Financial Advisor who has kept me on the straight and narrow, helping me to maintain value but meet my needs. A timely intervention recently when market values dipped helped to limit my fund being unnecessarily reduced allowing it to return value over recent months. Mark is on the ball and very helpful.
