Welcome to Coleman Clough Independent Financial Advisers
"Coleman Clough believe in providing our clients with truly independent, affordable and easily understood financial advice." Roy Clough CFP
Our aim is not to restrict the ability of consumers to gain the benefits of independent financial advice. We understand that some clients will not be able to, or want to pay upfront fees, we therefore offer a number of different ways in which our service can be paid for, for example;
Our initial meeting with a new client is normally delivered free of charge and is without obligation.
After which we are happy to work on the basis of:
- An agreed fee, or charge for the work undertaken.
- A charge or fee paid in instalments over time.
- An agreed deduction, or payment from the product provider.
Our Range of Client Services:
Typically our advice can be holistic, or targeted towards one particular area of concern.
Holistic Advice is focused on life planning and goal setting and monitoring progress towards a sustainable future. We would always recommend clients start with a holistic overview.
Targeted Advice is focused on a particular topic or area, such as:
- Pensions forecasting future levels of income, reviewing performance and charges. Advising on pensions consolidations. Tracing lost pensions. Calculating tax free cash entitlements and matching risk with reward.
- SIPPS, or self invested personal pensions, including commercial property purchase.
- Investing For Growth including ISA’s, offshore investment bonds, unit trusts, quarterly portfolios performance reviews and maximising tax efficiency.
- Investing For Income taking an income from your investments in the most tax efficient manner, monthly income, nature income and guaranteed products.
- Retirement - Providing the maximum sustainable income, including drawdown and existing drawdown reviews, impaired and smoker annuities, fixed term annuities.
- Protection - including life and critical illness cover, income and health protection.
- IHT calculating your liability and advising on the available options.
- Mortgages - Independent whole of market advice for a fixed fee.*
* Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Coleman Clough Independent Financial Advisers Limited