Taking money out of your pension pot when you are 55+ may not be advisable......the best advice is to take advice!
Welcome to Northern Star Financial Management Ltd, Providing Professional Financial Advice, Ramsbottom
We are different from normal Independent Financial Advisors (IFA's) - in a good way! Because you are also different from other customers we don't try to sell you products.....
We organise, plan and prepare your financial well-being to suit your lifestyle.
Whether you 'have' funds now or 'will have' in the future, we can help you.
Your financial well-being is constantly under threat from changing legislation, changes to your personal situation and the needs of those dependant on you.
Planning for the future can seem to be difficult and unpredictable.....
That is why you need trusted advice on an on-going basis. The lifestyle you enjoy now may be unsupportable when you retire.
Aim to have Plan B (and Plan C) to ensure you can provide for yourself the lifestyle you want, when you want it.
The Star Treatment
"Treat people as you expect to be treated"
We never belittle any customer regardless of where they are in life - we prefer to focus upon where they are going, then work out how we can help them get there.
We help two distinct types of customer - The Haves & The Will-Haves . Which are you?
WEALTH MANAGEMENT: The ‘HAVES’ and the ‘WILL HAVES’
Whether you HAVE or WILL HAVE wealth to manage – the approach should be the same: organise, plan and prepare your financial well-being to suit your future lifestyle.
So you have made your money through hard work and saving for your future, you have a business to sell or you have just sold up. You have just graduated or about to graduate from having to work and it is our role to help you make sense of it all.
- How do you take income to enjoy your lifestyle without eroding your capital?
- How do you enjoy the fruits of your labour, yet leave an estate to your family whilst minimizing Inheritance Tax?
We work closely with our clients to ensure that they achieve their financial goals.
And because we work closely with the 'Haves', we are well suited to helping the 'Will Haves', we know what your next step should be and can help you plan for the future well-being you 'Will Have'.
There are many though that are not in the category of a 'Have' yet! These are the 'Will Haves'. What we mean by this term is everyone else that wants to invest and plan for their future so that one day they will be in the 'Have' group. Again we have options to suit all future lifestyle dreams and we regularly review and keep in contact so that as and when things change (and they do) we are on hand to help keep you on track.
Financial Planning Designed For YOUR Lifestyle
One of our 'Will Haves' said..
"I met Leigh from Northern Star after a recommendation from a mutual friend when I asked them if they knew a financial advisor that would help someone who didn't have £100,000 plus to invest. I sat with Leigh and explained that I had not inherited or taken redundancy but needed help planning for the future. Leigh very quickly told me that he worked with the “Will haves”; basically, people like me who ran a small business and one day will have the funds available to retire or do other things.
I met with Leigh again on a number of occasions and worked out where I wanted to be and how I was going to get there. A plan was put into place and the journey has started. I would recommend Leigh to anyone needing independent financial advice whether you need pensions advice or lifestyle financial planning. Not only is he great at his job but also a great person to relate with and that is very important when planning your finances for the future."
Lisa Spann, ISSL
Latest News View all news >
If you are aged eight (well done for accessing this news blog) you will be counting down the days until the overweight St. Nicholas pops down your chimney again to deliver your presents (326 sleeps I think….).