5 types of people who could really benefit from speaking to us

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Earlier this year, The Times and VouchedFor named us as one of the Top Rated financial planning firms in the UK. What makes this accolade particularly gratifying is that it is determined by our clients through the feedback that they provide concerning the quality of our advice.

The overwhelming majority of our clients appreciate our personal service and, when asked, would be happy to introduce us to friends, family, and colleagues.

We’re always thrilled when a client introduces someone to us. Indeed, we welcome this type of introduction and are always delighted to help new clients to understand the benefits of good financial planning.

But when is the right time to introduce someone to us? To help, here are five types of people who are likely to benefit from financial advice. If you know anyone in these situations, we’d appreciate it if you’d introduce them to us!

1. Anyone thinking about retiring, or taking early retirement

Deciding to retire is one of life’s big transitions. If you know someone who has worked for decades and is thinking about moving into a new stage of their life, financial planning can be hugely transformative.

One of the big concerns for anyone considering retirement is “will I have enough?” Retirement could last for 20, 30, or even 40 years, and so it’s perhaps no surprise that individuals want to know that they will be able to maintain the lifestyle they want in this next phase.

We use sophisticated cashflow modelling software to help clients to understand their future. Do they have enough assets to last their lifetime? Can they leave a legacy to their children and grandchildren? And, crucially, can they afford to retire now?

We can also model a range of “what if?” scenarios – market volatility, ill health, tax changes and so on – to give clients reassurance that they can live the life they want even if things don’t go exactly as planned.

2. New parents

Having a baby is a huge life event. It’s also one of the biggest financial commitments a new parent will ever make, with a recent report from the Child Poverty Action Group (CPAG) suggesting that it costs £152,747 for a couple to bring up a child to the age of 18.

New parents have enough sleepless nights without also worrying about what will happen to their family if the unexpected happens. So, it pays for anyone starting or adding to their family to seek professional advice.

From setting up savings for their new baby to ensuring they have the right protection in place, if you know a new parent it’s a great time for them to review their financial position.

3. An individual who owns their own business

Anyone who has run their own business knows how hard and time-consuming it can be. From fulfilling orders to managing staff, long hours and hard work are often part and parcel of the job.

In our experience, looking after personal finances comes way down the priority list of entrepreneurs. They are simply too busy and focused on the success of the business to worry about pensions, savings, and protection.

However, business owners are one of the groups who are most in need of financial planning. They are often saving too little for the future, have insufficient protection for their business and family, and are not making the most of the tax efficiencies that are available.

If you know anyone who runs a business, it can really benefit them to sit down for a chat with one of our experts.

4. People building up their wealth in their 30s or 40s

In our experience, busy people in their 30s and 40s want to be able to enjoy their life now while also preparing for their life after work.

They are often paying a mortgage or other debts, looking to save for their children, increasingly looking after elderly relatives, and anxious about what might befall their family if the unexpected happened.

We can help clients building up wealth to get their finances in order. We can put the right health and income protection in place, ensure they are maximising their tax efficiencies, and planning properly for their future.

Our job is to understand what clients want from life both now and in the future. We can help individuals and couples in their 30s and 40s to identify how their finances will enable them to meet their challenges and achieve their goals.

5. Retired people

Financial planning doesn’t stop at the point someone retires. Indeed, good money management can actually be more important in later life than it is when you’re building up wealth.

Retired clients need the reassurance that they can live the life they want without running out of money. They want to be sure they can afford to pay for later-life care if it is needed. And, they often have concerns about potential Inheritance Tax issues and how to pass on wealth tax-efficiently to their children and grandchildren.

We have wide experience of working with retired clients – and taking advice as parents and children can often smooth the intergenerational transfer of wealth.

Get in touch

We welcome introductions and would be delighted to help a friend, family member, or colleague. If you know anyone who would benefit from our advice, please get in touch with us. Email enquiries@blackswanfp.co.uk or contact your adviser on 020 3828 8100.

Please note

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.


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I have always found Black Swan to be caring and understanding of my quirky lifestyle. I always feel they try to get me the best returns while respecting my current needs.

Sally Muir

A client since 2011

We would be very happy to recommend the support and service we receive.

Valerie Locks

A client since 2010

I have always been completely useless regarding finance - thankfully our financial adviser is not! I've retired with far more than I ever expected and investments continue to grow safely. So - thank you!

Bernadette Jane Warner

A client since 2000

Very happy with the professional service I have received and feel a lot happier now with my finances put in order.

Martin Field

A client since 2011

Julie Cooper was recommended to me by a work colleague. She has been very helpful, professional and has explained everything well. I would definitely recommend her services to anyone else who are interested in a financial review.

Steven Rooke

A client since 2018

…Service has been first class.

Hugh Fells

A client since 2012

My face to face meetings with Rob Young and Jessica Lyons have always been very open and understandable. My questions have been answered clearly and I have left feeling that my financial matters are in good hands.

Sandra Jack

A client since 2000

[A] safe pair of hands in a complex financial world.

Gary Middlehurst

A client since 2003

A reliable company with good communication skills and good knowledge of the financial markets.

Alan Evetts

A client since 2014

Maureen Pembridge is a long-time trusted advisor to our family. The market might fluctuate but her attention to detail is consistent.

Linda Burnard

A client since 2000

I am pleased to recommend Julie as a trustworthy financial advisor. She explains financial jargon in plain language, and always listens carefully to my particular financial needs and has helped me make the best of my savings.

Carolann Samuels

A client since 2010

I have always been satisfied with the way that Black Swan has handled my account. And I have always found the staff very helpful whenever I need to call the office.

Robert Anthony Matthews

A client since 2012

An excellent personal service from a person I know and trust.

Michael Dalton

A client since 2010

I am getting a very good services from Black Swan, they have got my investments sorted out which was in a bit of a mess.

Roy Jakens

A client since 2012

A good, efficient team providing clear ideas to shape a winning strategy.

Adrian Michael Levenstein

A client since 2011

Black Swan is a company to be trusted, with friendly staff and professional advisors.

David Brian Jennings

A client since 2017

I have been with Black Swan for many years. I have never wished to change anything. They give a good straight forward service.

Martin Barrett Brooks

A client since 2010

Andy Peters has been invaluable in firstly combining several pension pots and then giving excellent investment advice. It has given us a great deal of comfort to know that our financial affairs are in such good hands.

James Guillum Scott

A client since 2014

I find my financial advisor easy to talk to and feel that she understands my lifestyle. She is always available for help when I need her and explains in words that I can understand.

Margaret Ena Glasgow

A client since 2000

Andy is a first rate Director, excellent communicator and leader.

Ross Perry

A client since

Black Swan Financial Planning and Andrew in particular, are very clever at working out how risk averse we are, and coming up with solutions that we feel comfortable with. We are happy in the knowledge that we can continue to enjoy a comfortable retirement. Andrew Peters is a very, very friendly person who is great to chat to and easy to deal with. He explains things very clearly in layman’s terms, and if we still don’t understand, he explains it until we do!

Alan & Jane Dyer

Clients since 2012

We have always found Rob [Young] to be very approachable and knowledgeable. We have every confidence in the advice given and feel comfortable with the decisions we’ve made. There are certain opportunities that we wouldn’t have known about if Rob hadn’t brought them to light, which makes the advice good value for money as far as we’re concerned.

Peter & Pauline O’Halloran

Clients since 2013

Rob [Young] is extremely knowledgeable. I knew nothing about the different types of trusts which will not only secure my income in retirement, but also leave a legacy for my children. I’m glad that I sought his advice when I did.

Sarah Wilson

A client since 2015

I am extremely happy with the service afforded to me by the company and my adviser Julie Cooper.

Geoff Coxell

A client since 2010

My wife and myself have been dealing with Black Swan for a number of years. We have met with different representatives from the company over the years and have found all very helpful in their own way. We met with James [Anderson] a few years ago and found him very helpful and knowledgeable. He keeps in contact with us on a regular basis. We find the Company information very helpful and we feel very secure with our finances.

Andrew Kirchen

A client since 2015

I have always found my adviser to be easy to contact, very professional in his approach, yet friendly and understanding. I have a sense of an experienced company behind him, really on the ball financially and with good standards.

B McBean

A client since 2011

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