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    <lastmod>2025-02-25</lastmod>
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    <lastmod>2025-02-03</lastmod>
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    <lastmod>2025-02-03</lastmod>
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      <image:title>Our Services - Pensions &amp; Retirement Planning</image:title>
      <image:caption>Your retirement is the end of a chapter and a new beginning, so you need to start planning. But sometimes it isn’t that easy. The government’s pension freedoms may have opened the options when it comes to retirement planning, but pensions can still appear as complicated as ever. Chris can simplify the process by narrowing down your choices to what’s most relevant to your needs and interests. He helps to remove the complexity, offers simplicity and aims to advise on effortless route to securing a retirement that suits you. Please note: The value of pensions and investments and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5eec83080b3f887ae74bfb4b/1592838900958-IE9LE932IUFK8JCL3IH2/AdobeStock_291281009-square%23.jpg</image:loc>
      <image:title>Our Services - Savings and Investments</image:title>
      <image:caption>Whether you choose to invest or save, a shrewd approach can create a strong foundation that can help you work towards your financial goals. However, it can be difficult to decide which direction to take. By placing your goals and desires at the forefront of our process, we can determine the most suitable approach for you. Chris will analyse your finances from all angles, act upon identified opportunities and aim to reach your ambitions. You’ve worked hard for your money and he’s here to help you make it work hard for you. Please note: The value of pensions and investments and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5eec83080b3f887ae74bfb4b/1592838749875-7O2J75RAI1SZ2ASJBR2W/AdobeStock_265754588-square.jpg</image:loc>
      <image:title>Our Services - Inheritance Tax Planning</image:title>
      <image:caption>Inheritance tax (IHT) is a complex area of the law that undergoes constant change, but Chris has helped many clients to preserve their wealth and assets for their loved ones in this way. His IHT strategy is designed to keep what’s rightfully yours within the family by helping you pay minimal tax that is fair. Every situation is unique and will require a bespoke approach to help maximise results. Chris will also examine additional solutions such as wills and trusts and the role they could play in your IHT strategy. Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning, Estate Planning, Wills and Trusts.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5eec83080b3f887ae74bfb4b/1592564148579-5263N5QU5HRV4939OBIR/AdobeStock_203293499-square.jpg</image:loc>
      <image:title>Our Services - Protection</image:title>
      <image:caption>Of course, no one likes to think about death or illness, but protection insurance is worth considering as part of a well-rounded financial plan. A bespoke protection plan that’s designed to pay off your major outgoings – such as your mortgage – if you became critically ill, or died, can provide that added peace of mind that you have absolutely everything covered. Chris can talk you through the options from life insurance to critical illness cover through to income protection.</image:caption>
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    <lastmod>2020-06-19</lastmod>
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    <lastmod>2020-07-05</lastmod>
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    <lastmod>2020-07-06</lastmod>
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      <image:title>How It Works - Guides</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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