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

Pension planning

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.

Investments

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

Mortgages

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.

Protection

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.

"When my wife & I wanted to re mortgage in order to staircase to a larger percentage of our shared ownership property, we found Mark to be an enormous help. It's no exaggeration to say they we couldn't have done it without him. From the very start he was friendly, communicative & open. Despite the problems caused by the Covid pandemic Mark was always approachable & ready to talk us through any steps we wanted to go over, either on Zoom, phone or email. As for the actual mortgage product, we couldn't be happier. Everything we were after, Mark found & found it within our means. We will certainly use his services again in the future. Thumbs up for Mark. "

Nick Dawe

A client since 2020

London

06/06/2021

"Mark Bastable has been advising my wife and I for over six years and we are extremely satisfied by the services he offers. He has advised us mainly in the area of savings for retirement – an area very important to everyone. His advice is always balanced, informative and as time has shown is extremely good. He also has a broad width of general financial advice and knowledge and is a good source of guidance and assistance with our other needs. We would wholeheartedly recommend Mark. Personally, we are looking forward to a long and beneficial relationship with him."

Steve Hough

A client since 2015

Andover

17/06/2021

"We have used Mark’s services for many years. He has provided us with sound financial advice in a wide range of areas, including stocks and shares, ISAs and inheritance tax and we are more than happy to recommend him to others."

Margaret Garrod

A client since 2005

Fleet

17/06/2021

"We have used Mark for decades now and always feel he understands our aims and targets very well. We feel relaxed and totally trust and follow his very professional advice, which he has built up over the many years he has been in a finance advisory roll. We would always strongly recommend Mark to anyone who is looking for financial advice."

Ken Bowden

A client since 2001

Basingstoke

23/06/2021

"Mark has provided excellent financial advice to my wife and I over the last 7 years. The decisions we make are well explained and always in our best interest based on our detailed discussions. Mark prides himself on knowing our long term financial goals and as such can always explain the best course of action. I go to Mark when making any significant financial decision as I feel comfortable he will listen and advise accordingly. The benefit of Mark’s good financial advice and planning helps give security and confidence for our future."

Andrew Winnett

A client since 2014

Andover

22/07/2021

"We first used Nathan Morrisen as our financial adviser, just a few months back when he became a huge help and took on the task of helping us re-mortgage our home, which was then unmortgaged, to raise funds to buy a second home in Cornwall. Nathan visited us in our home to take further details and progress things and very quickly found us several lenders that were willing to consider our application. He found an exceptionally good deal and went above and beyond in getting this for us, despite having some procedural and red tape issues from the Lender regarding our particular and unique situation, which wasn’t a standard set up on paper. The whole deal would have fallen through, had it not been for Nathan’s tenacity and sense of fair play to actually get the lender to follow through on our transaction when we found ourselves in the position of being ideal candidates in reality. All the time wasted by the lender deliberating nearly cost us the excellent rate that Nathan had originally found and again, he fought and argued the case that we should get the deal we originally applied for – and we did. Nothing was too much trouble; he was always there at the end of the phone and it was quite honestly refreshing to experience this approach. I wouldn’t hesitate to recommend Nathan to anyone who needs financial advice, really just as the lovely, personable guy he is, we would use him again automatically. "

Rachel Spanswick

A client since 2021

Lamborn

27/08/2021

"Mark has provided long term investment advice for my wife and I for a number of years. Our annual review takes a detailed look at our ongoing financial goals, changes to our financial position and any changes to our risk profile to ensure that our investments continue to meet our needs. Mark explains the investment evaluation process in simple terms to ensure we are comfortable with the choices we make. There is no pressure as all the decisions are ours. We are happy to continue using Mark as our adviser."

David Bull

A client since 2021

Basingstoke

08/11/2021

Working People

Relevant services

Helping you plan for today, tomorrow and the unexpected