Gemma Darcy, Director of Darcy Financial Planning, has been advising clients for over 20 years. She tells us why understanding her clients’ lifestyle choices is the key to delivering the best service.
One of our primary differences when it comes to financial planning? It’s all about the client. Rather than focusing on money, we invest the time to thoroughly understand their specific lifestyle needs.
It’s crucial to plan for the future, but it’s also important to ‘live in the now’. I aim to build successful, long-term relationships with my clients where they know that if anything changes, they can pick up the phone to me personally, talk it through and amend anything they need to.
Multiple pension pots
It’s not surprising many don’t fully understand the role of a financial adviser in today’s world. There are so many facets to the service. Take multiple workplace pension pots, or dormant funds, as an example: the difference compound growth can make to your final pension pot over time can vary immensely. Funds chosen historically may no longer be appropriate, so having an adviser review your pensions can prove beneficial along the way.
Tax planning & tax allowances
Or tax planning and maximising any tax allowances – another key part of any financial plan. Tax rates are reducing significantly, so it’s important to get ahead at the start of the Tax Year to ensure you fully utilise your allowances. With financial planning, knowledge is power, so why not give me a call for a no obligation chat to see how I could help you.
Or maximising tax allowances – another key part of any financial plan. Tax rates are reducing significantly, so it’s important to get ahead at the start of the Tax Year.
With financial planning, knowledge is power, so why not get in touch for a no obligation chat to see how I could help.
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This promotional article appeared in the April 2024 edition of Cheshire Life
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
The value of your investment can go down as well as up. You could get back less than you invested.