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working together financial planning why speak to us? our people welcome to stonebridge established in 2008 by bill minards, we are a firm of chartered financial planners, based in chester and with more than 60 years’ experience in financial services. we pride ourselves in providing a high quality, easy to understand and comprehensive service to our numerous clients. we passionately believe in putting you at the centre of everything we do and explaining how we can help you in plain english. that’s why we prefer not to talk about the products we advise on, but rather on your hopes and concerns, and how we can help you to meet or solve them, today and into the future. after all, no-one wants a personal pension plan, but we all want the safe and secure retirement which comes from investing effectively through our working lives as part of an integrated financial plan. equally, no-one wants a convertible term assurance policy, but we all value the peace of mind which comes from knowing that our loved ones would be provided for in the event of our early death or serious illness. we are independent financial advisers, and you will pay for our services by fees (or commissions in certain circumstances) which will be agreed before we undertake any work for you. our client agreement can be found here . working together working together is the cornerstone of effective financial planning. while we will work with you to build your own personal plan, it is only by working together as a team, that we can hope to get the best out of what we create. the first stage in building that plan is sitting down and establishing whether we can work together. as we hope to be working with you for the rest of your life, it is extremely important that we are going to be able to get on with each other. there is no charge for this first meeting because it is a vital part of creating that relationship, and without it we can’t possibly know whether we can form an effective partnership. we will ensure that we understand all of your personal and financial circumstances, and work with you to establish your current and future objectives. this might all sound very grandiose, but experience tells us that sitting down with people and exploring their hopes, plans and fears, often creates a level of clarity and purpose which otherwise hadn’t existed. we’ll then play that back to you to sense check it, and ensure that we really understood what you were saying. having worked out what you want to achieve, we’ll then work with you to build a long term financial plan, taking into account your attitude to investment risks, our views on what you might see in terms of investment returns, any planned major life events such as a wedding, or your retirement, and as far as we can, some insurance against unforeseen events. working together this plan will be fully comprehensive, and will point out all of the areas where we feel you need to do something, and when we sit down together to discuss it, we will jointly prioritise which elements are urgent, and which we can put off until your circumstances permit that they can be addressed. we think of this a bit like the “advisories” section of your car’s mot where you are told what you are going to need to do in the future, but which don’t make your car unroadworthy today. having decided on your priorities, we will them work with you to implement the immediate solutions and will keep you abreast of progress as we move to completion, before agreeing a program of regular review where we measure your progress against your plan. this will be done to suit your needs and will be done in a manner agreed with you. most people like to sit down with us to discuss things, but we are equally comfortable reviewing progress by email, phone, skype or just about any other means of contact < > financial planning v’s financial advice it is often said that “life is a journey”. financial planning is the process of helping you to meet your lifetime financial objectives. ensuring that throughout your journey, you are able to meet all planned, and unplanned expenditure, whilst also making sure that you enjoy your retirement, and provide for your family before and after that journey ends. we believe that there is a huge difference between financial planning and financial advice. traditional financial advice forms an important part of the planning process, but it tends to focus on specific and individual events, whereas financial planning is a more holistic, whole of life service which is designed to ease all of your lifetime financial worries and ensure that achieve your life’s goals. financial planning v’s financial advice of course, we also know that not everyone’s needs are quite this complicated, perhaps your only current issue can be solved with some relatively simple advice, and so we will always tailor our service to suit your immediate, and future needs. please rest assured though, that where we see things which we believe you need to be aware of, we will point these out to you and ensure that you understand the implications of them. source: sun life financial < > why might you need to speak to us? our experience tells us that people have various reasons for getting in touch with financial planners and as a result it is almost impossible to describe our typical client. whether you are worried about your standard of living in your later years, or need to save for your children’s education, we can help you to ease your worries and meet your goals. concerned about your standard of living in later years? there is no doubt, that we are living longer, in fact statistics from public health england show that in 2016, a 65-year-old had a life expectancy of a further 19 years for men, and 21 years for women. this creates a significant problem for the state as the number of people drawing state pensions increases, and adds to the pressure on those contributing through national insurance towards it. recent changes to the age at which this can be drawn helps this position, but the stark reality is that we cannot simply meander into later life and trust the state to look after us. even if you’re eligible for the full state pension of £164.35 per week for the tax year 2018-19, this is far below what most people say they hope to retire on, and if you consider that to provide that sort of income for yourself, you would typically need a pot of around £160,000. with this in mind you can see why it is never too early to start planning for your income requirements in later life. despite so called “pensions simplification” introduced as far back as 2006, the world of retirement savings is still as complicated as ever. we pride ourselves on being completely up to date with all of the complicated rules and regulations which attach to this area, and are “pension transfer specialists” which allows us to advise on all aspects of retirement planning. worried what would happen to your family if you were to die, or get seriously ill? if you’ve ever had this concern, then you are probably in need of a conversation with us to understand what options are available to you. if you haven’t, then answering the following two questions may mean that you do. • would my dependants be financially stable on their own in making certain payments, such as the mortgage or daily expenses? • would my death have a financial impact on my children or partner? but it’s not just early death which should worry you, an accident or illness which prevents you from working can have just as serious an impact on you and your family, and is often just as easy to protect against financially. we will help you to understand all of the options and which are the most appropriate to your individual circumstances. keen to leave a meaningful legacy to your family? it’s a painful truth that the taxman is often the biggest benefactor of a deceased person’s estate, indeed after cilla black’s death in 2015, the £6m inheritance tax paid b

URL analysis for linnworkstationery.co.uk

https://linnworkstationery.com/assets/privacy-policy.pdf
https://linnworkstationery.com/financial-planning.html
https://linnworkstationery.com/assets/client-agreement-for-web.pdf
https://linnworkstationery.com/our-people.html
https://linnworkstationery.com/contact.html
https://linnworkstationery.com/assets/privacy-notice.pdf
https://linnworkstationery.com/working-together.html
https://linnworkstationery.com/why-speak-to-us.html
financial-ombudsman.org.uk
register.fca.org.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
linnworkstationery.co.uk

Registrant:
Goldstar Leisure

Registrant type:
UK Individual

Registrant's address:
unit 5 northfields ind est
Brixham
Brixham
TQ5 8UA
United Kingdom

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 13-Feb-2017

Registrar:
Register.com Inc t/a British Telecom [Tag = BTNAMES]
URL: https://btbusiness.custhelp.com/app/categories/contact/c/5300

Relevant dates:
Registered on: 25-Jan-2013
Expiry date: 25-Jan-2019
Last updated: 13-Feb-2017

Registration status:
Registered until expiry date.

Name servers:
dns1.register.com
dns2.register.com

WHOIS lookup made at 03:49:11 18-Oct-2017

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2017.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS linnworkstationery.co.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION Goldstar Leisure

TYPE
UK Individual

ADDRESS
unit 5 northfields ind est
Brixham
Brixham
TQ5 8UA
United Kingdom
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 13-Feb-2017

DOMAIN

  SPONSOR Register.com Inc t/a British Telecom [Tag = BTNAMES]

  CREATED 2013-01-25

  CHANGED 2017-02-13

STATUS
Registered until expiry date.

NSERVER

  DNS1.REGISTER.COM 216.21.234.71

  DNS2.REGISTER.COM 216.21.226.71

  NAME linnworkstationery.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2017.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

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