Chestnut Financial Services Limited

10 Newark Road, Bassingham, LN5 9HA

Call Us: 01522 788887

Email Us: ian@chestnutfs.co.uk

Chestnut Financial Services Limited

10 Newark Road, Bassingham, LN5 9HA

Call Us: 01522 788887

Email Us: ian@chestnutfs.co.uk

Chestnut

Financial Services Limited

10 Newark Road,

Bassingham,

LN5 9HA

Call Us: 01522 788887

Email Us: ian@chestnutfs.co.uk

Our Range of

Independent Financial Advice

A Warm Welcome

As independent financial advisers, what we do well is provide financial planning on a wide range of financial services. We can access a diverse range of strategies and products, generating better insights, better decisions, better outcomes, for you. We are consistently seeking the brightest opportunities from the whole market place, to give you a truly independent financial advice.

We provide individuals and businesses with financial advice on practical and relevant solutions to help them to meet their financial objectives.

Some of the key areas we advise on are listed below, but financial services are just tools in the bag for getting the real job done - accumulating, managing, protecting, and more importantly, enjoying your money, living life to the full, without fear of running out of money, or dying with too much!

We arrange our meetings, usually in the comfort of your own home or office, at a time that suits you. Just give us a call - all our contact details are at the top and bottom of this page - and we will be happy to do our best to help!

Financial Advice About Mortgages

Our mortgage advice service covers:

  • first time buyers,
  • remortgagers,
  • purchasers,
  • home movers,
  • buy to let landlords,
  • self-builders,
  • renovators,
  • converters, refurbishers,

Sometimes our clients need more specialist financial advice, so we can help with bridging loans, second charge mortgages, and, frankly, so much more!

We search across the entire market place, to give you the best financial advice possible. With so many deals and costs to choose from its easy to get a headache about whether you have found the best deal. Why not see if we can find a solution for you?

Your home may be repossessed if you do not keep up repayments on your mortgage.

Financial Advice About Insurance

Financial products are sometimes at their most useful when they are protecting our families, our incomes, or our property. Getting sound financial advice from an independent financial adviser can save a lot of money and provide the right money if a claim is needed, making sure you have the right tailor-made solution for you.

When we insure ourselves against an undesirable event, such as sickness or even death, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

We give financial advice on a wide range of insurances, from home & contents insurance, protecting against loss of income, protecting loved ones from illness, and passing on.

Financial Advice About Investing

Whether we place our money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected expenditure.

Our financial advice covers investment strategies, platforms, providers, funds, and frankly everything in between - so you know you can leave us to check your financial plan is working.

Returns, risk, and volatility - sounds like jargon? Well, that's why great financial advice from an independent financial adviser is invaluable to explain things clearly and find investments to suit you.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Financial Advice About Pensions

How will you feel when you reach retirement and look back? Could that moment be rapidly approaching - perhaps too fast? What more will you be able to do? Will you still enjoy your holidays and still share time with the family?

Will life still have something to give, and something for you to give life?

Happiness means many things - enjoying holidays, travel, relaxing, family, and friends, embracing retirement.

Building Pension Plans

We all know that a pension is an investment fund, with tax privileges, into which money is added during our employment years so that we can get an income in retirement.

So we provide independent financial advice, treating pensions as investments, respecting them as possibly the most valuable investments you'll ever make, and making sure you get the right advice to build a proper pension for your retirement.

As independent financial advisers, we can provide advice on investment strategies and funds across the wide range of pension products - such as personal pensions, group personal pensions, self-invested personal pensions, small self-administered schemes, defined contribution pension schemes, and workplace pensions - as well as platforms and funds that are available, unrestricted.

Pave the road to a stress-free, secure retirement you deserve with step by step advice.

Pension Pot Consolidation

We regularly meet clients who have a number of active and/or dormant plans already. We can help you make sense of these plans and determine if the funds are delivering on your expectations.

They are often not set up to match your objectives, often don't have the right mix of investments, and in many instances are more expensive than what else is available by consolidating them.

We may also be able to save you money by arranging for your pots to be put into one easy-to-manage, lower-cost solution - and if it's not in your interests we will tell you!

Clients looking to consolidate their plans should be looking for help before doing so as we can evaluate the benefits and drawbacks of doing so and ensuring you understand the best course of action.

Taking Capital and Income

Our financial advice service includes reviewing your pensions and options, whether pre-retirement or in-retirement.

As independent financial advisers, we want you to avoid taking unnecessary risks from losing your hard-earned savings because of unlucky investment decisions. Thanks to us living longer and the demise of pension guarantees, volatile pension values, and expensive annuities, people are at an increased risk of running out of money in retirement.

We can guide you on the choice of pension products available at retirement, pension funds to invest in if that's right for you, annuities and other choices to give you the right balance of income and capital during your retirement.

We offer regular reviews to check on your changing needs.

Pensions are a long term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore the tax treatment of pension benefits can and may change in the future.

Financial Advice About Equity Release

Financial Advice About

Equity Release

(and Older Borrowers)

As people get older their thoughts turn to their income or paying for things that they don't have ready money for. For some, the need to switch mortgages to something that lasts into retirement has become important.

As independent financial advisers we can provide impartial financial advice on your equity release options and, if its the right thing for you, available solutions, in the comfort of your own home. If it's not right for you we will tell you and talk through possible alternatives.

Equity Release will reduce the value of your estate and can affect your eligibility for means-tested benefits.

For some older borrowers, Retirement Interest Only (RIO) mortgages are now available for those over 55. They are not Equity Release plans and have many conditions, so our independent financial advice can give lots of advice around your potential options if these mortgages are of "interest".

Financial Advice About Care Fees

When we need more help, whether in our own home or in a care home, we face the inevitable question of costs.

As independent financial advisers, accredited by the Society of Later Life Advisers, we are able to give financial advice on your options for the future, aiming to give you (and possibly your family) reassurance about such decisions concerning care fees.

We can guide you on immediate annuities, deferred annuities, investments, and equity release, as possible funding options, as well as what might be available from the NHS and the local authority.

With our financial advice, we aim to answer your questions and help arrange suitable solutions.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Our Will Writing Service

We regularly advise clients on how to best write their Will to reduce or eliminate potential inheritance tax liabilities. We also offer a fully insured Will Writing service ourselves to complete our wide range of services.

Your Will is the only way to ensure your property, savings and possessions go to the people you want to benefit from them after you die. Telling your family, friends, and others, what you want does not count – it has to be formal, in a legal document, to be enforceable - otherwise they may not get what you wanted them to have.

Providing for others is potentially particularly fraught for non-traditional families, such as those with stepchildren or for cohabiting couples. If an unmarried person dies, the surviving partner has no right to inherit their assets, regardless of how long they have been in a relationship. By contrast, estranged spouses retain the right to inherit, even if any amicable attachment has long since dissolved.

A Will also allows you to state who you would like to look after children, other dependants etc which can be enormously reassuring.

Ian and Emma are members of the Society of Will Writers, who seeks to protect the public and serve the interests of Will writing professionals.

The Society has grown to become not only the largest, but also the leading self-regulatory body governing with over 1,600 members. Membership of the Society conveys public assurance of the bearers’ expertise and competence.

The Financial Conduct Authority does not regulate estate planning.

Lasting Powers of Attorney (LPAs)

A 'Lasting Power of Attorney' gives you more control over what happens to you if you have an accident or an illness and can’t make your own decisions or want others to do things on your behalf.

There are the two types of 'Lasting Power of Attorney' and we would always advise that your clients hold both:

• Property and Financial Affairs

• Health and Welfare

The 'Property and Financial Affairs Lasting Power of Attorney' deals with, as the name suggests, any assets (including money) owned by the individual. A 'Property and Financial Affairs Lasting Power of Attorney' could enable a friend or family member (the 'attorney') to operate a bank account, receive benefits or pensions, pay bills and buy or sell a property. This type of 'Lasting Power of Attorney' can often be useful before capacity is lost, as well as after, but have physical limitations that mean they find it hard to get to the bank or to meetings, for example.

The 'Health and Welfare Lasting Power of Attorney' deals specifically with matters relating to an individual's health and wellbeing. The attorney can make decisions such as what hospital treatment is provided and what nursing home is most appropriate.

An attorney must act in your best interests and taking reasonable care when making decisions on your behalf. They must comply with the terms set out in the document. They must also help you make your own decisions where possible, rather than simply taking control.

As independent financial advisers, we are very experienced in advising clients on LPAs - why they are useful, their cost, what's good to include, and the role of an attorney.

We provide a busy LPA writing service, including attesting competence, witnessing, and registering them with the Office of the Public Guardian.

The Financial Conduct Authority does not regulate estate planning.

Photo of Emma Francis, Office Manager, for Chestnut Financial Services Limited

Please Get In Touch

We always look forward to speaking with our clients.

You can telephone our office on 01522 788887.

Or you can email us - our address is ian@chestnutfs.co.uk

Logos for Chestnut Financial Services

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Chestnut Financial Services Limited. Registered in England no 9918363. Registered office: 10 Newark Road, Bassingham, LN5 9HA. Authorised and regulated by the Financial Conduct Authority No. 840940