Independent financial advice for individuals
It's surprising how complicated it can be just to manage your finances. It's usually businesses that are seen as having to deal with long words and red tape, but the rest of us are not spared it either, unfortunately.
Fortunately, with our wealth of experience, we've figured it all out already and can help you navigate through it all to map out your needs.
Savings & investments
Get the most out of your extra income by putting it in the right places. As time goes by, we'll keep you updated on any shifts in the market.
We can advise you on a great deal of investment and savings opportunities that make sense for how much you're looking to invest, your lifestyle and your personal appetite for risk.
Whenever you put your money into something, there's always the chance that you could get back less rather than more. With our experience, we can help you reduce that risk as much as possible.
The value of investments can go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.
Mortgages
Navigate the complex world of the property market with us.
It's a huge expense, not to mention risk, especially if you're only just starting out.
If you're already a property owner and are looking to sell, release some equity or perhaps acquire another one, we can help you chose the right type of mortgage and can provide advice on what a solid investment for a property portfolio might be.
The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages
Pensions
Plan for a future when it's time to relax, explore and enjoy your retirement, or just put something away in case the decision to work is taken from you.
We live so long these days that retirement isn't just a brief time to cap off our working lives. For some, it lasts even longer than middle-age.
That's why it's important to start saving right away. A good pension takes time: time that you cannot recoup once it's gone. Having said that, it is never too late to start if you haven't already.
A pension is a long-term investment. The fund value may fluctuate and can go down which would have an impact on the level of pension benefits available.
Insurance
Insurance is a potential life-line for you and your family. It can be just the helping hand you need in case things get rough for a while.
Rapidly advancing technology is putting many age-old professions at risk. It's perhaps not so well-known, but you can take out insurance in case you're made redundant, giving you plenty of time to get back on your feet.
Whilst we don't like to think about it, sometimes we ourselves or those close to us suffer serious illness or even a premature death. In those cases, not having to worry about money really helps.
Tax Planning
It's been said that, alongside death, taxes are one of life’s two certainties.
Earning, retaining and inheriting money all have taxes associated with them. Not only that, but it's down to you to make sure that these taxes are paid.
As such, it can be hard to know just how much you would have to pay in certain circumstances. That's where we come in. We'll wrap our heads around your situation and give you some numbers and advice on how to keep as much of your money as possible.
The Financial Conduct Authority does not regulate Taxation advice
Estate planning
Ensure your estate lives on by making sure that it passes to the right people and at the right time.
It's an often touchy and contentious matter, one in which the law won't help you. Should something happen for which you're not prepared, there's no telling what could happen to a family's legacy.
In addition to estate taxes and trusts, we have links with local experts who can draw up Wills and Power of Attorney documents. In most cases, they are straight-forward and affordable, but they protect you against the turbulence of intestacy laws.
The Financial Conduct Authority does not regulate Trust advice.
"I've just had my first meeting with my new IFA, Helen Fraser. Just wanted to let you know how impressed I am with her, both as a Financial Adviser and as a person! She fits right into the Orchard ethos - approachable and empathetic as well as financially skilled - and I can see why she's working with you - well done for finding her. Keep her, I like her! :)"
"Excellent investment advice for my client, very easy to do business with."
"Your (Steve Hedges) knowledge of the financial market is exemplary and savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us."
"I'd really like to recommend Stuart Logan of Orchard House IFAs, who has
just come to give us some financial advice. This is the third time we have used Stuart. As usual, he has offered some really interesting and useful advice, and we have been really impressed every time we have used him."
“Damian was incredibly helpful in re-phrasing in simple terms to allow me to better understand the questions being asked. He was absolutely incredible and made, what I expected to be a difficult process, incredibly easy. I have great trust and faith in Damian. Thank you” ~ Kelly Hobbs
"Helen is wonderful and she does her best with someone who really struggles with figures and financial concepts" ~ Elisabeth Skinner on 07/03/2019
"I find Stuart to be curious, helpful and massively professional, thank you!" ~ Nikki Watkins on 19/06/2019
"I like the personal touch, it wasn't just about my finances. A connection really helps in having trust and confidence in what you are being told. Elaine gave me that" ~ Chris Hancox on 24/09/2018
"Tricia and I would like to thank you for all the advice and help that you have given us over the past couple of years. Your knowledge of the financial market is exemplary and the savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us. On another note, the investments made for a close friend helped to make her final few years comfortable in the knowledge that her financial affairs were in such good hands and that her capital will still intact on her passing. I have and will continue to recommend you at every opportunity" ~ James and Tricia Rice on 15/11/2017
Not sure what you need?
Call us on 01491 412 513
Financial planning and advice for people and businesses across Berkshire, Buckinghamshire, Oxfordshire, Hampshire, Surrey & beyond.