Our Services
Giving advice rather than just selling a product is important and is provided jargon-free & practical to your current needs & requirements in the future.
We pride ourselves on giving a fresh perspective to you and your financial situation
Financial Planning
It can be confusing on your own to figure out what your priorities are and to make decisions on what move to make next to secure your money now and in the future.
Financial planning is an ongoing process to help you make sensible decisions about your money. Your journey begins with us getting to know each other and discuss what is important to you and what you are looking to achieve.
A plan of prioritised objectives will be created by us with timeframes to meet your needs.
Our planning tool allows us to amend the plan at any stage if life takes a different route unexpectedly. We will together continuously review your plan, making sure you are in complete control, with updates being provided by us if new products are introduced into the marketplace which would benefit you and your plan.
Investment & Wealth Management
In today’s marketplace there is a bewildering range of savings and investment vehicles available and we want to make sure your money works as hard as it can for you.
We build our investment portfolios around our clients, making sure that whether it is long-term capital growth, tax efficiency or income generation, our advice suits your needs. Maybe you are making regular savings or investing a lump sum? Either way, Morris Financial Management can help.
Following a detailed personal review of your current financial position, aspirations and objectives, we will assess all factors with you before making recommendations for your portfolio. Wealth creation and management is an on-going process and we will look to meet regularly to ensure the best chance of your objectives being met.
Family Protection
Protecting yourself and your loved ones is one of the most important areas of anyone’s financial plan. It is vital that you consider protecting yourself against premature death, suffering a critical illness, or being unable to work due to ill health.
We offer a range of solutions to protect you and your family:
- Life Cover
- Critical Illness Cover
- Income Protection
- Family Income Benefit
- Whole of Life Cover
- Mortgage Protection
- Business Protection
If you have any concerns that you are not suitably covered or require a review of your existing cover to ensure you have a comprehensive policy at a competitive rate, please feel free to contact us.
Retirement Planning
Deciding when to start planning and saving for retirement can be daunting, especially not knowing where or when to begin. As early as possible is our advice, but that does not mean you are too late if you are only starting to consider your options.
We will help you start the process and provide you with accurate financial information and advice to enable you to create your future financial security.
There are two aspects to retirement financial planning:
• Firstly, how you create a retirement fund while you’re working
• Secondly, how you spend your fund when you retire
We will look at what type of pension is right for you, which will give you the best return on your investment and how much you can realistically afford to contribute.
If you are approaching retirement and starting to think about what to do with your savings and investments, we can review the value of your savings, how they are invested and discuss with you what you want to achieve in your retirement.
Many clients possess a number of ‘pension pots’ with different values and rules. We can help you identify their worth and what they will provide you with in the future. Our overall aim is to ensure you get the retirement you deserve.
Tax treatment is dependent upon individual circumstances and may be subject to change in the future. Not all areas of estate or tax planning are regulated by the Financial Conduct Authority.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
Please remember that past performance is not a reliable indicator of your future results. With investing, your capital is at risk, so the value of your investments can go down as well as up, which means you could get back less than you initially invested.
Not all areas of Tax Planning are regulated by the Financial Conduct Authority.
The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested