In an increasingly complex world, it is vital to receive expert advice on your borrowing, savings and retirement planning.

At Brighthelm Financial, we assess your financial circumstances holistically, balancing your immediate needs with your future aspirations. We will guide you through all options, decisions and applications to set you on the path to financial well being.

Our review process allows us to assess how your current products are performing and whether there is scope to reduce your expenditure, improve your return on investment or to maximise the benefits of your tax free allowances. We offer our clients cash flow modelling to help work out what they can expect in the future.

We will work with you to consider a range of products, including Pensions, ISAs, Savings, Investments, and Bonds.

We also offer tailored advice around tax efficiency, working with Enterprise Investment Schemes (EIS), Venture Capital Trusts (VCT) and Alternative Investment Market (AIM) listed plans as part of your tax planning.

For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Tax treatment varies according to individual circumstances and is subject to change.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Enterprise Investment Schemes (EIS), Venture Capital Trusts (VCT) and Alternative Investment Market (AIM) invest in assets that are high risk and can be difficult to sell. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.