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Submission: On September 19 via manual from US — Scanned from CH
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tel: 01173 823 823 email: contact@leafifa.co.uk * Home * Services * Pensions * Ethical Pension & Investments * Financial Planning * Investment Advice * Equity Release * Mortgages * Insurance & Protection * News * About Us * About Us * Pricing * Contact Menu * Home * Services * Pensions * Ethical Pension & Investments * Financial Planning * Investment Advice * Equity Release * Mortgages * Insurance & Protection * News * About Us * About Us * Pricing * Contact INDEPENDENT FINANCIAL ADVISERS LEAF FINANCIAL ADVISERS BRISTOL BASED INDEPENDENT FINANCIAL ADVICE * Home * Services * Pensions * Ethical Pension & Investments * Financial Planning * Investment Advice * Equity Release * Mortgages * Insurance & Protection * News * About * About Us * Pricing * Contact * tel: 01173 823 823 * contact@leafifa.co.uk Menu * Home * Services * Pensions * Ethical Pension & Investments * Financial Planning * Investment Advice * Equity Release * Mortgages * Insurance & Protection * News * About * About Us * Pricing * Contact * tel: 01173 823 823 * contact@leafifa.co.uk LEAF FINANCIAL ADVISERS BRISTOL BASED INDEPENDENT FINANCIAL ADVISERS (IFA) INVEST IN YOUR FUTURE... Everybody deserves quality financial advice delivered at a reasonable cost and given in plain English. We can help you find the right path, understand your future and help you with the next steps. Leaf Financial Advisers are an Independent Financial Adviser firm based in Bristol and serving the entire UK. Our services include Pension Advice, Financial & Retirement Planning, Investments & ISA’s, Mortgages, Equity Release and Insurance. We deliver high-quality financial advice, are fully regulated, and offer a transparent pricing policy and a free consultation to discuss your needs. We deliver advice by phone, video chat, or in-person face-to-face. Please get in touch to see how we may be able to help you. We aim to simplify financial advice– because life is complicated enough. 01173 823 823 OUR SERVICES PENSIONS Click to find out more FINANCIAL PLANNING Click to find out more ETHICAL PENSIONS & INVESTMENTS Click to find out more INVESTING & ISAS Click to find out more MORTGAGES Click to find out more EQUITY RELEASE Click to find out more INSURANCE & PROTECTION Click to find out more ESTATE PLANNING Click to find out more WHY US? FULLY INDEPENDENT We access the entire market with no restrictions to make sure you get the most suitable and lowest cost solution. That’s the advantage of using an Independent Financial Adviser. FAIR & FIXED PRICING Fixed fees, clearly explained, so you know what you’re paying for. Tailored pricing making sure you only pay for the advice you need. CONVENIENT We offer flexible appointments, including evenings and weekends, not just 9 – 5. Because good advice fits around your schedule, not ours. Just one example of our customer first service. RECENT AWARDS PENSION ADVISORY FIRM OF THE YEAR WINNER 2023 UK INNOVATION & EXCELLENCE AWARDS BRISTOLS MOST TRUSTED FINANCIAL ADVISORY FIRM 2023 2023 UK ENTERPRISE AWARDS BEST ETHICAL PENSIONS & INVESTMENT ADVISORY FIRM SOUTH WEST ENGLAND 2023 RETIREMENT PLANNING AWARDS 2023 HOW DO WE DELIVER ADVICE? We can deliver financial advice either in your own home, over the phone, or via video chat. The choice is down to you and whatever is most convenient. AT HOME Face to face financial advice can be delivered in the comfort of your own home. BY TELEPHONE For some more straightforward financial advice, such as arranging a mortgages or life insurance, it is possible to complete everything over the telephone. VIDEO CONFERENCE Using programmes such as Skype, Zoom and Teams is a good way to have a face to face discussion without leaving home. WHAT OUR CUSTOMERS SAY Phil Jones ★★★★★ Fishponds, Bristol Read More Excellent Financial Advice and Service, from a very knowledgeable Friendly Advisor. Good Work Alasdair Harris ★★★★★ Cotham, Bristol Read More Leaf has provided superb advice and support to our family. We're continually impressed by the insight, expertise, efficiency and sincerity - look no further for a Bristol financial adviser. Rod David ★★★★★ St George Read More Andy has gone above and beyond to help me with my complicated property issues. He's always been quick to respond and patience to explain the ins and outs of all my mortgage issues. Highly recommend Chris J ★★★★★ Bishopston, Bristol Read More Andy has been brilliant and really supportive throughout the whole process. We would definitely recommend. Sophie T ★★★★★ Clifton Read More Andy is a very friendly guy who goes to great efforts to provide the best advice and information available. He advised me primarily on equity release but was also able to help with pensions. He is very knowledgeable and I shall definitely be using him in the future. Gerry B ★★★★★ Yate Read More I can highly recommend Andy Rogers from Leaf Financial advisors. Andy takes time to fully understand your financial position and your aims and objectives. He has provided us with skilled financial support for pensions, mortgages, savings and life insurance. He produces comprehensive reports and explains everything in an accessible way. For the first time I feel like I understand our finances! Andy has helped our young adult children with their mortgages too. He is professional, approachable with excellent communication. We are so grateful for his expert guidance and financial management. Wendy Y ★★★★★ Yate Read More Andy has been extremely helpful regarding guidance on pension advice. This has helped me to make an informed decision about options open to me. I've appreciated that he also works outside of normal office hours. Good too talk with someone who has real enthusiasm for, and love of their line of work. Marian C ★★★★★ Northern Ireland Read More I approached Andrew for some advice on tax advice in relation to my self assessment. He was very professional and helpful. I would recommend Leaf Financial Advisers Ltd. Harry B ★★★★★ Bristol Read More Fantastic broker and also acts as financial advisor. Andy will go above and beyond to get you the best deal and is always available to give advice. I was recommended Andy from a colleague and to be honest I can’t imagine using anyone else now. Ryan B ★★★★★ Bristol Read More Very pleased with the support I received. Communication was excellent, and Andy answered all my questions with a straightforward and concise approach. Buying our first home has been made so easy with his support, and I couldn’t recommended his advisory services enough. Bernadette ★★★★★ Bristol Read More I highly recommend Andy Rogers if you are looking for an independent financial advisor. Great service. Sorted out a buy to let remortgage very quickly for me and at no cost to myself; really flexible appointment times incl evenings and weekends. (All without the need for face to face meetings re covid). Threw in some great tips to start me think about retirement / pension planning etc. Found the business via the unbiased website rather than a recommendation so wasn’t sure what to expect but I would definitely use Andy again. Previous Next PENSION ADVICE Pension advice can not only help your pension pot grow, but when it comes to retirement it can help work out the best way of accessing your money. * Help your pension grow * Improve tax efficiency * Draw your pension how you want, when you want * Consolidate old pensions * Plan your future, answer your questions: * Am I saving enough? * What will my pension look like? * When can I retire? – Find Out More – FINANCIAL PLANNING Financial Planning brings together all your finances and life goals to help you get the most out of your finances and your future. * Are you on track to meet your goals? * Can your finances be boosted? * Can you afford your future plans? * Improve tax efficiency * Help your pension grow * When can you afford to retire? – Find Out More – INVESTMENT ADVICE Our Investment Advice service helps you to make sure you’re getting the most out of your money while demystifying the investment world. * Build an effective portfolio and investment strategy * Boost Performance for increased returns and growth * Tax Efficiency to make sure you’re not paying any more tax than you need to. * Ethical & Sustainable Investing to align your investments to your ethical viewpoints * Reduces costs and manage risks – Find Out More – MORTGAGE ADVICE We provide a full mortgage broker service for a range of mortgages, to not only help you find the best mortgage but to do it quickly and with minimal fuss * As “Whole of Market Brokers” we search the entire market, from the high street banks to the specialist lenders to make sure you get the best deal out there. * Brokers don’t just access the usual Residential or BTL mortgage market but also the exclusive “broker-only” market to help you find the best deal. * Pre-check which banks won’t lend to you, to avoid being declined and damaging your credit score. * Calculate how much each bank and building society will lend to you and at what rate. * We do all the paperwork and submit the mortgage application for you. As Independent Whole of Market brokers, we work in your interest and search the whole market for the best value mortgage products with the cheapest and most suitable rates for you. – Find Out More – EQUITY RELEASE Equity release lets homeowners aged 55 and over release tax-free cash from the value of their home, without having to sell the property, move out or downsize. * The amount you can release is based on your age and how much your home is worth. * Money received is tax-free and can be used for virtually anything. * We offer both Lifetime Mortgages and Home Reversion Plans * We are a member of the Equity Release Council. * Plans offer many features such as inheritance protection, drawdown facilities and no negative equity guarantees. Please get in touch for a no-obligation chat about if Equity Release is right for you, what it involves and how much you may get. – Find Out More – INSURANCE AND PROTECTION Protect yourself and your family in case the worse happens. * Review your current arrangements to see if you can pay less for your cover or get more cover for the same price * Make sure you have the right policies in place for your unique situation. * We offer advice on Life Insurance, Mortgage Protection, Critical Illness Cover, Income Protection, and Family Income Benefit. * We offer insurance and protection advice fee-free. – Find Out More – IMPORTANCE OF INDEPENDENT ADVICE We strongly believe that independent, ‘whole of market’ financial advice is the best way forward. Independent Financial Advisers are the only type of advisers who are able to select from all products available in the marketplace. Making sure you get financial advice that’s tailored to your individual needs. Our Independent status means we can offer advice using the widest range of financial products and services. And that means you benefit – whether it’s for investment advice, retirement plans, inheritance tax planning – or simply reducing your financial expenditure. SOME OF OUR BLOG ARTICLES * Difference Between a Restricted and Independent Financial Advisor * Benefits of pension consolidation * Questions to ask when looking for a Financial Adviser * Passing your pension onto loved ones * What are pension freedoms * 6 tips to reduce inheritance tax * Do I have a Final Salary pension * Valuation for a remortgage * What can Equity Release be used for? GET IN TOUCH Name Telephone Email Message Send * 01173 823 823 * contact@leafifa.co.uk * @Bristolifa * Leaf Financial Advisers Our opening hours are 9.00 until 6.30 Monday to Friday and 9.00 until 1.30 on Saturday. 39 Cromwell Road, St Andrews, Bristol, BS6 5HD. We offer flexible appointments and often see clients in the evenings and weekends, as well as the usual 9-5. COMMONLY ASKED QUESTIONS What's the difference between a financial planner and financial advisor In summary, the difference between a Financial Advisor and a Financial Planner is that a Financial Planner focuses on developing a plan to help you meet your financial goals, whilst a Financial Advisor has wider responsibilities and helps manage your money including investments and pensions, whilst often also creating financial plans. It’s important to know the difference so that you can find the right professional to help you with your finances. Please read our article on What’s the difference between a financial planner and a financial advisor. Can I have an Ethical Pension? With an Ethical Pension, the investments inside your pension pot are carefully chosen to meet certain ethical criteria, which align with your ethical beliefs. This can be simply avoiding those companies that harm society or the environment or actively selecting ones that make a positive contribution. Pension pots can grow to a significant size, and switching to an ethical style pension can be relatively straightforward and low cost if done in the right way. If you have a pension pot currently it is likely invested in a range of companies, including many oil, gas, tobacco, and arms companies. Please get in touch or read our article on Can I have an Ethical Pension? to find out more. What is a Pension Tax Free Lump Sum When you withdraw funds from your private pension you are usually charged income tax on the amount. however, you are entitled to withdraw 25% of your pension savings tax free, this is know as the tax free lump sum, 25% tax free lump sum or the Pension Commencement Lump Sum” (PCLS). There is a lot of flexibility as and when you take it; it doesn’t have to be all at once, or at the start of your retirement. Many make the mistake of thinking it must be drawn at the start, and take it without considering the impact it can have on their later retirement plans. Please get in touch to find out more about the 25~% tax free lump sum, or pensions in general or read our article on Tax Free Pension Lump Sum Explained to find out more. Can I take my pension at 55 and still work? It is possible to take your pension at 55 and continue to work, or return to work. There is no set retirement date and so you are able to continue to work for as long as you like, whether you have drawn a pension or not. You are currently able to access your private pension in the UK from age 55 (which is rising to 57 in 2028). Workplace pensions and some older type pensions may have different ages at which you can access the pensions. Although there are many reasons to take out your pension and keep working (such as to allow you to work part-time (semi-retire), paying off debts or to make a significant purchase) and you can even keep contributing into pensions having already begun to take money from your pension pot, there are some pitfalls and risks. Risks such as running out of money before you’re ready, potentially incurring large tax bills, or unwittingly losing other benefits of your pension. Accessing your pension in the wrong way can have significant consequences on your later pension plans. It’s a good idea to talk to an independent pension adviser if you are planning on accessing your 25% lump sum. Please read our article on Can I take my pension at 55 and still work? and feel free to get in touch with us if you’d like a no-obligation chat about pensions or anything else. IFAs BRISTOL IFA, UK We are a firm of Bristol based IFAs (Independent Financial Advisers). We aim to provide you with the best advice, best service and best information on pensions, investments, wealth management, mortgages, protection and a range of related services. An IFA can be many things; a source of financial advice, a life-long financial coach, a provider of advice for a single financial transaction, an ear to bounce ideas off of, a facilitator in realising your life’s goals. As Independent advisers we aren’t tied to financial products from a particular provider. We think it’s important to be give truly Independent Financial Advice as this allows us to access the entire market to help us provide the best solutions for our clients. In the UK, IFAs are strictly regulated by the Financial Conduct Authority (FCA). This means that an IFA is a qualified professional who has to set a series of examinations, usually from the Chartered Institute of Securities and Investment (CISI) or the Chartered Insurance Institute (CII), then are required to keep their financial knowledge up to date and in line with the current best practice indefinitely, in a process called Continuing Professional Development (CPD). IFAs must then abide by the strict rules and regulations set down by the FCA Our company relies on the strength of the long-term relationships we form with our clients. If you would like to learn more about our financial advice services and speak with an IFA please contact our Bristol office on 01173 823 823. Is there a difference between a financial adviser and a financial advisor The terms financial adviser and financial advisor are often used interchangeably, however there is no actual difference between the two. It is simply a different way of spelling although if you are searching on the internet then using different terms will bring up different results, even if they are only subtly different. In the UK, all financial advisers must be registered with the Financial Conduct Authority (FCA) and must follow strict guidelines to ensure they act in the best interests of their clients. So, whether you are looking for a financial adviser or a financial advisor, you should always check that they are registered with the FCA before you hire them. Leaf Financial Advisers can be found on the FCA Register under our firm reference number of 944216 here on the FCA Register. Financial Planning Bristol Based Financial Planning We are sometimes asked the difference between an IFA and a Financial Planner. Basically a Financial Planner is a subset of an IFA; so an IFA is a Financial Planner but will also give other types of Financial Advice. A Financial Planner will focus on helping individuals and corporations meet their long-term financial objectives. Whilst financial panning is a key area of an (Independent) Financial Adviser’s role they will also undertake other tasks such as helping manage your money including investments and other accounts. So in short whilst Financial Planning is a key part of the service we offer we also cover a range of additional areas of Financial Advice. We believe in the financial planning process; identifying goals, reviewing financial data and designing and implementing a plan to help you achieve your objectives. Please get in touch for a Free Consultation to find out more about how we can help you, or click here to find out more about our Financial Planning Service. Pension Advisers Bristol Pension Advice You are now responsible for your future security. The days of the guaranteed pension and lifetime health benefits are past. Whether nearing retirement or already relying on the fruits of your working years, planning ahead for retirement is crucial. Your pension is one of the most important assets that you will build over your life. The right guidance can help that asset grow and ensure you have enough in retirement to lead the lifestyle you want. Please get in touch for a Free Consultation to find out more about how we can help you, or click here to find out more about our Pension Advice Service. Investment Advisers Bristol Investment Advice Offering investment advice is one of the key services we offer as managing assets effectively is fundamental to securing your financial future and growing your wealth. As investment managers, we utilise a disciplined and consistent approach, based on decades of academically sound and tested research. The right investments can offer real opportunities to grow your wealth and protect it against inflation. Whether looking to invest a lump sum, review your current investment arrangement or starting your savings journey, professional advice can help you maximise your returns and protect your investments. Please get in touch for a Free Consultation to find out more about how we can help you, or click here to find out more about our Investment Advice Service. Mortgage Brokers Bristol Mortgage Advice Taking out a mortgage is one of the biggest commitments in most peoples lives, and unfortunately it can be difficult to make sure you’re getting the best deal for you. Advice from a professional mortgage adviser can not only make the process easier and reduce stress but also save considerable money. We offer a Fixed Fee service for all mortgage types, including First Time Buyer, Remortgages, Home Mover and Buy to Let. Please get in touch for a Free Consultation to find out more about how we can help you, or click here to find out more about our Mortgage Advice Service. Locations Served We are based in Bristol but serve the entire UK. Home visits are restricted to the local Bristol area, but cover areas such as Clifton, Redland, Thornbury, Bath, and Bradley Stoke. Please get in touch to find out more about what we can offer. Leaf Financial Advisers Ltd is entered on the FCA register under reference 944216. Leaf Financial Advisers Ltd is registered in England and Wales, Company number 12950412. Registered office: 39 Cromwell Road, Bristol, BS6 5HD. Leaf Financial Advisers Ltd. is an appointed representative of Julian Harris Financial Consultants, which is authorised and regulated by the Financial Conduct Authority, FCA number 153566. The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of future performance. Tax treatment is based on an individual’s unique circumstances. Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits. 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. Our Privacy Notice can be found here. THANK YOU! Your Form has been submitted. An Adviser will call you back shortly. To find out more about how and why we use personal information and who to contact if you have any queries, please see our privacy notice.