Independent financial advice, with a specialism in inheritance tax.
Whole-of-market advice on pensions, retirement, investments and protection, with deep expertise in inheritance tax planning, including the major April 2027 pension changes. Fully qualified IFA based in Southport, working with clients across the UK.
Whole-of-market financial advice, with specialist expertise in inheritance tax
As a fully qualified IFA, I advise on every key area of your financial life: pensions, retirement, investments, protection and estate planning. Inheritance tax is an area where clients particularly value my expertise, especially with the major April 2027 pension changes ahead.
Inheritance Tax Planning
With IHT at 40% above the nil-rate band, and pension funds set to enter the estate from April 2027, early planning is essential. Use the free IHT calculator to estimate your liability in two minutes.
Estimate your IHT →Estate Planning
Make sure your wealth passes to the people you care about, with the right wills, trusts and gifting strategy in place to do it efficiently.
Learn more →Pensions & Retirement
Combine old pensions, plan a tax-efficient retirement income, and make the most of allowances most people leave on the table.
Learn more →Tax & Investments
ISAs, capital gains and pension contributions, used together to keep more of what you earn and what you've already invested.
Learn more →Cashflow Planning
See exactly how long your money will last, and what happens if markets fall, you retire early, or care costs hit later in life.
See how it works →Protection
Most families are underinsured. Life cover, income protection and critical illness, all assessed independently across the whole market.
Learn more →From first conversation to clear recommendations
A straightforward process designed to help you decide whether to proceed, define the work that needs to be done, and move forward with confidence - with ongoing support available if you want it.
Initial discussion
A free conversation - typically 20 minutes. I want to understand where you are now, what you're trying to achieve, and how I might be able to help. No paperwork, no pressure. You leave with a clear idea of whether I'm the right fit.
Fact-find meeting
If you decide to go ahead, we meet again to discuss your situation in more detail. We go through your financial picture, priorities and preferences, and by the end of this meeting we usually know whether we'd like to work together.
Building the plan
Once we agree the scope of work and complete the client agreement, I go away and research your options thoroughly. I use everything we've discussed to build a plan specific to your situation.
Your recommendations
I present a clear written report with specific recommendations and the reasoning behind each one. We go through it together, and if you're happy, we complete any final paperwork and get things moving.
Ongoing support - because your finances don't stand still
For clients who want continued support, I offer an ongoing advisory service charged as a percentage of assets under advice. The ongoing fee funds a defined, active service - not just the ability to call me. It reflects my FCA obligation to ensure your advice remains suitable on a continuing basis, and my commitment to be proactive rather than reactive when things change.
What clients say
"I would recommend him to others with total, 100%, confidence."
"We were unhappy with our previous adviser. After meeting with John, we felt he was a more capable pair of hands."
"My wife sadly passed away, and I wanted to set a trust fund for my stepdaughter. John found a solution that exactly fit my requirements."
A clearer financial picture starts with one conversation
Book a free 20-minute call. No obligation, no jargon - just a straightforward discussion about where you are and what you're trying to achieve.