What we do
People come to us with all types of queries. Whether you are trying to tidy up your finances, start some good savings habits or tackle a complex problem, we can help you on a bespoke basis.
Financial Planning fees depend on the work we do for you. Our minimum initial fee is £1,250.
Whether you are consolidating old pension plans, trying to decide whether you can retire or trying to understand how best to take an income at retirement, Rose & North can help.
We can help you start a pension, review a pension, consolidate pensions or simply de-mystify them.
We are fully briefed on the 2015 pension changes and can advise you on your options.
We can even help you with annuity purchase.
Unfortunately we are unable to transfer existing pensions into any pension you manage yourself (such as a workplace scheme or a SIPP you have set up yourself).
(including Stocks & Shares ISAs)
We can help you make the most of your annual allowances, consolidate or review existing investments and plan for all types of future expenditure to ensure you meet your goals without compromising your lifestyle.
Ethical Investment Advice
We have always offered access to ethical portfolios for those clients who prefer this. There are an increasing number of funds available which are, in general, performing as well as traditional 'non-ethical' funds. We are more limited in the funds we can select, however, as the universe is smaller and there are not ethical funds in every asset class. If ethical investment is important to you, let us know.
Long-Term Care Planning
We can help you work out the best way to plan for old age.
We can help you ensure that your children or grandchildren get off to a good start.
Working alongside solicitors, we can help you work out how best to protect what you have built up over your lifetime or how best to pass it on.
Some aspects of Estate Planning are not regulated by the Financial Conduct Authority.
We can work alongside your solicitor to best advise you on the financial implications/considerations at this time.
We can also make recommendations on the most suitable mortgage product or arrangement to suit your needs.
Contact us for a free re-mortgage review*.
Family, Mortgage and Income Protection
We can help you ensure that you and your family is protected should you suffer a serious illness, be unable to work or when you die.
Insurance is usually done on a commission basis so no direct fees are payable for this work.
Contact us for a free insurance review
*Mortgage reviews are free for clients with existing mortgages only who are looking to review their mortgage, with no changes. We can let you know if a switch might save you money. If you then go ahead we will be paid commission by the lender.
All other mortgage advice is subject to our £545 administration fee and we are then paid commission by the lender.