What's your plan?

When it comes to success, effective planning is key – and your finances are no exception. Whether you’re looking to buy a new home, plan your pension or are interested in investing, our financial experts are here to help you maximise your money – for now and the future.

ADVICE

Investment
advice

Looking to make the most out of your investments and make your allowances more tax-efficient? It needn’t be a daunting process – especially when you’re in the driving seat and armed with the right process, plan and insight to help you realise the true potential of your financial goals.

At Sanctuary, our investment specialists combine specialist expertise and trusted market knowledge with leading industry technologies to guide you through the most effective processes for the biggest savings and most profitable returns on your investments.

Working directly with you to create a financial plan that achieves your key objectives, our independent advisers offer a whole market approach that will help you assess the risk, tax positions, accounting and protection you need to create a bespoke plan that will help you achieve your investment goals and capitalise on your current financial situation.

Ready to take control and capitalise on your investments? Click here to speak to one of our independent investment advisers.

PLANNING

Retirement planning

It’s never too early to start investing for the future, and effective planning is key when it comes to creating a successful retirement strategy.

Whether you’ve become accustomed to a certain lifestyle or aspire to a more comfortable way of life, our independent retirement and pension advisers combine trusted industry knowledge with market-leading products to help you create a clear and simple investment plan that manages your funds and allows you to retire in the strongest position possible.

Working with you to tailor the experience, our retirement experts will help you assess your current situation and income potential to help you plan and execute a strategy that will allow you to gain financial independence and achieve your lifestyle goals.

Want to start planning for the future and living the life you want to be living? Click here to speak to one of our independent planners today.

PLANNING

Will writing &
estate planning

At Sanctuary, we’re not only here to help you manage your personal finances most effectively – we are also on hand to make sure your good planning and hard work is passed on to your family and loved ones, too.

Though most people are aware of how important it is to write a will, the majority of people in the UK have still not carried out this simple but effective task.

In reality, if you neglect proper estate planning, you won’t be guaranteed that your assets and finances are passed on as you wish – and you could also be leaving huge inheritance tax implications for those you have left behind.

If you’d like to create or update your will – or set up trusts for your loved ones – our independent estate planners can guide you through the process and help you create the most tax-efficient structure that meets the unique financial needs of both you and your loved ones.

Want to leave the most cost-effective, tax-efficient legacy? Click here to speak to one of our experienced estate planners.

ADVICE

Mortgage
advice

Whether you’re a first time buyer looking to get a foot on the ladder, remortgaging or moving home, the ever-changing property market can be a minefield when it comes to finding the best mortgage deals to suit your financial situation.

Luckily, our independent mortgage advisers combine trusted market knowledge with leading industry technologies to find you the best deals and products. With access to exclusive rates and packages, our industry-leading experts will not only help you get the most out of your mortgage but will also assist with any protection, insurances and paperwork that goes hand-in-hand with your application – saving valuable time and money in the process.

Need some advice on a personal, commercial or buy-to-let mortgage? Click here to speak to one of our independent mortgage advisers.

ADVICE

Corporate advice

At Sanctuary, we understand that running a business is time consuming – which is why our dedicated corporate financial advisers are on hand to help you strategically plan the financial future of your company with efficiency, profitability and longevity in mind.

Whether you’re looking for the most tax efficient planning, pensions plans, employee incentive schemes or commercial property management, our experienced corporate advisers offer an innovative approach that will help you meet your business objectives.

From setting up workplace pension schemes – including group personal pensions, director pensions and stakeholder pensions – that comply with auto enrolment regulations and managing final salary defined benefit (DB) schemes to managing and mortgaging commercial properties, our experienced corporate advisers will work with you to find the most practical and cost-effective solutions for your unique business demands.

Looking to review your existing corporate finances? Click here to speak to one of our advisers.

PLANNING

Insurance & protection

What happens when the unexpected happens? We don’t like to think about it, but spare a thought for how you and your family would maintain an income and lifestyle should the unanticipated occur. 

There are countless issues that could effect your ability to contribute to your household income but insurance and protection plans are designed to offer you, your family and your assets financial protection should the unexpected happen.

Our trusted independent insurance advisers offer a total market approach to help find the insurance and protection plans that best fit you and your lifestyle. From life assurance and critical illness cover to home insurance, income protection and commercial insurance – our industry experts have access to the most cost-effective products and policies that will save you time and money while giving you complete peace of mind, to.

Need some advice on protection and insurance policies? Click here to speak to one of our advisers about the products and policies that best fit your lifestyle.

ADVICE

Specialist advice

At Sanctuary, our advisers bring with them a wealth of experience from specialist areas to help tailor financial solutions to suit your unique circumstances, goals and aspirations. Some of these areas are unique and specialist:

Pension Transfer Transfer Specialists

Here at Sanctuary Financial all advisers have the required qualifications and experience to advise on transfers from Defined Benefit (final salary) pension schemes as per the FCA’s requirements.

Your pension scheme will have the following requirements under Section 48 of the Pension Schemes Act 2015:

This requires that trustees or scheme managers check that advice has been taken before allowing a transfer to proceed, where the proposed transfer involves a DB pension or other safeguarded benefits worth more than £30,000. The advice must be provided by a firm with the FCA permission to advise on pension transfers. FCA rules apply to advice provided by FCA authorised firms and, in particular, we expect the firm to consider the assets in which their client’s funds will be invested as well as the specific receiving scheme.

We have a robust process designed to provide clients with advice that is individual to them within the parameters of the FCA rules on “Advising on pension transfers” and the requirements highlighted above.

Please click below to our advice process for this specialist advice

What our clients say

Mr Jones, Bishops Stortford, client of Gareth’s since 2011

What were the circumstances that caused you to look for a Financial adviser?
Mixed up Pensions and looking for best advice on Investments I could trust.
How did they help you?
Across consolidating Pensions and Investment strategy. Potentially to also look at Asset management.
What is your current situation? Have you seen the outcome you were hoping for?
Yes so far these have met expectations.
What could they have done better?
Reminded me to do things when I forgot!

Mr & Mrs Moreham, Newport, client of Gareth’s since 2016

What were the circumstances that caused you to look for a Financial adviser?
Myself and my husband were buying our first home and wanted advice and to find the best mortgage for ourselves.
How did they help you?
They found us a mortgage with the best interest rate and explained everything we needed to know.
What is your current situation? Have you seen the outcome you were hoping for?
Yes.
What could they have done better?
They were helpful with everything we asked for and responded quickly, I don’t think there is anything that I could suggest that they didn’t already do.

Terry, Caerphilly, client of Gavin’s since 2016

What were the circumstances that caused you to look for a Financial adviser?
Wanted to take early retirement.
How did they help you?
Helped with everything in relation to my request, sound advice and excellent service.
What is your current situation? Have you seen the outcome you were hoping for?
Yes and more
What could they have done better?
Nothing to my knowledge

Kathryn, Risca, client of Gavin’s since 2015

What were the circumstances that caused you to look for a Financial adviser?
Financial advice about transferring an occupational pension into a private pension.
How did they help you?
Helped by giving advice which was thorough and comprehensive, identifying the pros and cons of each financial option available. Then managing and coordinating the transfer of the pension, from the occupational pension to a private pension, and monitoring its performance.
What is your current situation? Have you seen the outcome you were hoping for?
The pension is now invested in a suitable personal pension, which is appropriate to my individual needs, the outcome has been very favorable.
What could they have done better?
Nothing, I am very satisfied with the advice and services I have received

Take Control

Make your finances work for you and your future aspirations