Comet Wealth Management
Ian Russell Dip.PFS
Director & Financial Planning Adviser
We find that our clients prefer to be treated as an individual not as a number, you will also want someone available to you at all times that you can trust. We are proud to be a small, focused firm, because this means that we provide higher levels of personal care and attention to detail. This is why many of our clients, who previously dealt with Banks and larger Advisery firms, have come to us. So as a client you will be treated as an individual, you will not be a number and you will have a close working relationship based on a trusted adviser being available to you at all times.
Financial Planning
It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security, for ourselves and our family. Comet Wealth can help you map out the best routes for you to take.
Savings & Investments
In the present economic climate, we have to work that bit harder to make the most of our savings and investments to achieve the returns we would like.
The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.
Retirement Planning
We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Protecting Your Loved Ones
The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Comet Wealth will be happy to make suggestions that will give your loved ones protection – and you peace of mind.
Inheritance Tax Planning
Inheritance has become a hot topic amongst politicians in recent years. It is one that we ignore at our peril. Without the right inheritance tax provisions the Government could benefit more from your life’s work rather than your family.
Estate planning is not regulated by the Financial Conduct Authority.
Mortgage Solutions
Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek independent advice so you are not drawn into a deal that means more to the lender than it does to you.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. There may be a charge for mortgage arrangement of up to 2% of the loan amount. We will also receive commission from the lender.
Equity Release
A lot of your wealth can be tied up in your home. Equity release is a way of unlocking this wealth, but is an area that should only be considered with the advice of someone who has no strings attached.
Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration. We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business.
Corporate Planning
When running a business on a day-to-day basis, often you haven’t the time to really look too far ahead. We can help business people look at their corporate financial planning. We have the time and expertise to review financial areas that could help protect the company and benefit your business in the long term. Why have an informal chat with one of our advisers?
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our Approach
The Wealth Navigation System
Your support and work is fee based which means you are in control of the advice process and no work is done until those fees are agreed. We are able to provide tailored financial solutions by considering all the products relevant to you.
As you would expect any fee is agreed prior to each stage. You, as a current client or prospective client, can exit at any stage ensuring you maintain control of the whole process.
Resources
Key Guides
Comet Wealth Key Guides are easy-to-read, full of useful information and free to download.
They cover 12 key areas.
Blog
Comet Wealth publish regular Newsletters and Briefing Notes. Together these help us keep you informed of the latest news we feel is important.
Fancy a Chat?
We would love to talk to you and find out how we could help.
(01252) 626200 contact@cometwealth.uk
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