Our Range of Independent Financial Advice For You - What We Do Best!

Financial Advice - Ian Francis, Independent Financial Adviser

A Warm Welcome From Ian Francis, Independent Financial Adviser

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!

Please click on the photo to read more about Ian and the team!

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?

Please click the image to read more about our mortgage service.

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.

Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, 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.

Why not contact us and see if we are the right financial adviser for you?

Please click the image to read more about our insurance service.

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.

Please click the image to read more about our investment service.

Financial About Pensions - The Complete Package From One Independent Financial Adviser!

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, workplace pensions and trustee bonds - as well as platforms and funds that are available, unrestricted.

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

Pension Pot Consolidation

Our financial advice service includes reviewing your existing pension schemes, plans and options, assessing whether you are on track for the retirement lifestyle you deserve.

We can give independent financial advice on whether its in your interests to consider, if you have different pension pots, together - or not. We look at your options to give you the right balance of income and capital during your retirement, and look into how well they are invested now and whether they could be better making some changes.

We offer regular reviews to see how suitable everything is compared to your evolving needs. Our reviews help address all your changing circumstances and requirements.

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.

Pension Advice - 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.

Please click the image to read more about our retirement service.

Financial Advice About Equity Release (and Older Borrowers)

As people get older their thoughts turn to supplementing 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 its 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".

Please click the image to read more about our equity release service.

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 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.

Please click the image to read more about our care fees service.

Our Will Writing Service

As independent financial advisers we are happy reviewing your options for leaving your estate to your loved-ones.

Both Ian and Emma are members of the Society of Will Writers and have lots of experience in writing Wills for our clients.

The Financial Conduct Authority does not regulate estate planning.

Please click the image to read more about our Will writing service.

Lasting Powers of Attorney (LPAs)

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.

Please click the image to read more about our Lasting Powers of Attorney (LPA) service.

Please Get In Touch

You can telephone our office on 01522 788887, we always look forward to speaking with our clients.

Alternatively, you can email us. Our address is ian@chestnutfs.co.uk

You can telephone our office on 01522 788887, we always look forward to speaking with our clients.

Alternatively, you can email us. Our address is ian@chestnutfs.co.uk

Or please complete this contact form and we will get back to you as soon as possible!

Chestnut Financial Services Limited is authorised and regulated by the Financial Conduct Authority, and is entered on the Register under reference 840940.

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 and Wales no 9918363, registered office 10 Newark Road, Bassingham, LN5 9HA. VAT Registration Number is 304 9810 11