Specialist Advice

We have many years investment experience and are able to offer advice right across the financial spectrum. We offer specialist advice in the following areas:

Independent Mortgage Sourcing and advice - includes adverse credit mortgages, buy to let, commercial & international.
Personal & Family Protection
Business Protection - eg: key person, share/partnership protection
Investments (U.K. & Offshore)
Tax efficient savings such as ISAs
Retirement planning
Estate & Inheritance Tax Planning
Further Education Provision
General Insurance

We also offer insight and analysis into the world of:

Socially Responsible & Ethical Investments

A free consultation, without obligation

In order to establish the true financial position, we offer a free consultation and financial analysis. We look at earnings, commitments and expenditure. We begin to build up a picture of "where are you now?" and find the answers to "where do you want to be?".

From this, we establish whether or not your financial planning is in order or whether some action is required in a specific or number of areas.

We then create the strategy to answer the question "how do I get there?"

Once the strategy is implemented, we simply fine tune it from then on as circumstances change.

Becoming a client

Once we have established your overall financial position, we will make our recommendations on how we can be of service to you.

We will initiate a full review of your existing position. We then formulate a strategy for your protection and wealth generation in line with your attitudes regarding investment risk v. reward; growth v. income; and ultimately your short, medium and long-term needs.

The strategy will be presented to you and discussed in detail. Only when you are satisfied and agree with our recommendations do we implement the recommendations made.

We will send you a detailed report confirming the actions taken and the reasons for those actions. Everything will be explained in simple, plain English so to avoid any confusion or misunderstandings.

Thereafter, in addition to an annual investment update, we have client care options available, depending upon the complexity of a client's affairs and the level of service required.

Remuneration

No need for concern over hidden costs, commissions or charges. Everything is kept simple and transparent.

We are remunerated either with fees, commissions or a combination of both. We believe in client choice and our remuneration is designed for whichever is best suited for our clients.

So we speak with our clients and discuss the options with them and agree on the most appropriate strategy for them; one that they are most comfortable with.

Contact		Specialisation		Email
G Stirling		Group Pensions		Stirling Independent Limited		email me
		Employee Benefits
		Commercial Mortgages
		Shareholder Protection
		Key Person Protection
		Group Stakeholder
		Lump Sum Investments
		Unit Trusts / Investment Trusts
		Individual Protection
		Residential Mortgages
		Estate Planning
		Pensions (incl Stakeholder)
		Pension choices at Retirement
		Offshore Investments
Your home may be repossessed if you do not keep up repayments on your mortgage.