We are focussed on providing you with the best possible advice and service, earning your trust and developing a long-term relationship with you, wherever your career takes you.
We achieve this by listening to you and establishing your short, medium and long term concerns and aspirations.
We assess your attitude to risk, which may differ from one objective to another depending upon the specific aim and the timescale involved. For example you may decide to adopt a more speculative approach for your investing towards retirement than saving for the more imminent school fees.
Having agreed a budget and prioritised the objectives we then offer solutions to help you achieve them.
However, that is not the end of the matter as inevitably changes in life, career and legislation will occur and our advice is always sufficiently flexible to allow for such events. To this end, regular review is vital and we offer this on a frequency that suits you as an individual.
- On an on-going basis we will generally need to consider the following:
- Do you have the right amount and term of insurance at the lowest cost?
- Are you receiving the highest interest on your savings?
- Are your existing arrangements as tax-efficient as possible?
- Are your investments in the right funds at the right time?
- Have you secured the best interest rate for your mortgage?
- Will your projected retirement income be sufficient?
- Upon your death will your dependants be financially secure or will the taxman be the main beneficiary of your estate?
Although we always offer a full review service we do appreciate that there are clients who only want to consider financial planning when the need arises (promotion, moving house, retirement etc). We are, of course, happy to help whether you require a full review or wish to focus on a single issue.
The cost of our service is covered either by fee, commission or a combination of both. We always agree the way we are paid in advance so that you know from the outset the way and amount that we are remunerated.
Obviously, until we have spoken and assessed your individual situation we will not know the level of service you will require and, therefore, all initial meetings are free of charge and entirely without obligation.
What We Do
Helping our Clients with
Medical Wealthcare Ltd can help you plan and invest for the future or make sure your current savings and investments plans are working as hard as possible. Investment planning is a very important area of your future financial security and growth.
Your hard earned money may be for retirement, a holiday home or to cater for your children’s future needs such as education, helping to get them on the mortgage ladder or even wedding, or busness ventures. Whatever the purpose Medical Wealthcare Ltd can help you with:
- Regular Savings
- Child Savings
- Lump sum investments for Income or Growth
- ISA’s – Individual Savings Account
- Unit Trusts
- Investment Trusts
- Investment Bonds
We also offer an Existing Investment Review Service – are you current investments performing or are they dwindling or stagnant?
Get in touch with us now for a free and no obligation initial consultation to talk about your current investments plans and we’ll see if we can help the grow and give you peace of mind for the future.
Medical Wealthcare Ltd can advise you and give you peace of mind by ensuring that you have the right protection plans in place should you encounter prolonged ill-health, disability or death threatens your family’s financial security.
We can help you find the right and correct cover to suit your individual needs and complement any existing protection you may already have, for example:
- Life Cover
- Critical Illness
- Income Protection
- Inheritance Tax Planning
We advise all our clients to regularly review their insurance arrangements when their circumstances change, as your insurance needs will change also. For example, moving home, buying a second property, pregnancy, a new job, redundancy or retirement are all main factors which could influence your insurance needs.
Medical Wealthcare Ltd in conjunction with our carefully selected mortgage broker partners, can advise you on how to raise finance for the purchase of a new main residence or second property.
We can analyse the details of your current mortgage to ensure that you are not paying unnecessary interest or charges.
- Exclusive professional fixed rate and discount mortgages for Doctors & Dentists.
- Buy to let mortgages – investment properties or holiday homes.
- Guarantor mortgages – help your children onto the property ladder or purchase student accommodation.
- Further advances for home improvements.
- Remortgage packages to secure a better deal.
- Business Finance for medical professions buying into partnerships or financing new premises.
The housing market may have shown some signs of improvement in recent months, but if you’re thinking of moving home or buying a property for the first time professional advice is recommended.
We offer mortgages from across the whole market and can also arrange the following services:
- Introduction to solicitor or estate agent if you do not have one.
- Arranging property survey or home buyer report.
- Mortgage protection insurance – life/critical illness/income protection.
- Buildings and contents insurance.
Medical Wealthcare Ltd can look into your current pension arrangements to ensure that you have adequate income to live on. Whilst most people will have some form of retirement arrangements, with the increase in life expectancy most people will rarely have a cohesive plan to measure whether they are saving enough to enjoy their retirement.
Retirement planning falls into two categories. For both parts, professional advice is required, as the decisions made will determine your standard of living in retirement. It almost goes without saying that the wrong choices could cost you dearly.
The first part is choosing the best way of saving for your retirement, taking into account such factors as the age at which you propose to retire, the income you will need, the benefits you should get from the state, and any employers (or former employers) pension scheme. Having then adjusted all this for inflation, it should be possible to establish how much you may need to save, and then decide the best way to do so.
The second part is selecting the best way to draw an income from your retirement savings, where the decisions made will determine your income for the rest of your life. Should you draw an income through a traditional annuity? How much should be taken as a tax free cash sum? How will the income be taxed? What would happen to your pension if you were to die? The need here for professional advice is absolutely essential.
Medical Wealthcare Ltd have the qualifications, expertise and experience that enables us to provide personalised independent financial advice to doctors and other medical professionals no matter how complex they may be, so helping you achieve your desired lifestyle in retirement.
We have vast knowledge of, and expertise in, the NHS Pension Scheme in it’s various forms over the years and specialise in advising members of the NHS Pension Scheme on maximising income in retirement and on possible ways of reducing the ever increasing taxation on their pensions.
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Medical Wealthcare Limited is an Appointed Representative of Medical Wealthcare Planning Limited which is authorised and regulated by The Financial Conduct Authority.
Registered Office: 44a Liverpool Road, Lydiate, Liverpool L31 2LZ.
Company Registered No: 6371008
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk