Our approach to lifestyle financial planning
Do you know how much money you would need for the life you want to live? What would be enough to enable you to do the things you love, or spend more time on the things that are important? Do you have a clear view of what that life even involves? If you’re not sure of the answer to any of these questions, we can help.
We are lifestyle financial planners who help people understand what it takes to live life to the full. We work with you to create the blueprint for the future you want, providing direction and meaning to your financial decisions so you can ultimately achieve your goals and enjoy the lifestyle you’ve worked hard for.
Who we help
We work best with people who are thinking about their future and would value a long-term relationship. We often work with:
Business Owners
Running a business can leave little time to dedicate to your personal finances. We can take some of the pressure off and help organise your money and future plans.
Couples
For many people, planning their future is a joint venture. We often work with couples to establish their goals in retirement and build a plan to make it happen.
Families
Good financial planning should be intergenerational. We regularly work with the children and grandchildren of clients to help protect their future.
Individuals
Whether you are in the midst of a life transition or simply want to take more control of your finances, we can be your trusted adviser on your journey.
Retirement
Your success is our success, and your financial freedom is our main mission. Whether you are still a few years away from retirement or already living in your post-retirement life, we want to help you, and we will support you in every step of your journey.
Once we establish your goals and how much is “enough”, we work backwards to calculate the risk you need to take to achieve your desired lifestyle. We will assess your risk far more comprehensively than a traditional financial adviser.
Find out moreInvestments
Investments are the tools in the box to help you achieve your lifestyle objectives. That is why we establish your goals before making any financial decisions that will impact your lifestyle.
We use highly sophisticated cashflow modelling software to bring to life your financial future and help answer crucial questions such as, “How much do I need to achieve my goals?” and “How much investment risk should I take?”.
Find out moreWills and trusts
Irrespective of your age or the value of your estate, putting your affairs in order is one of the most important tasks you are likely to do. It can mean ensuring your wealth goes to the right people at the right time, in the way you intended.
We can help you safeguard your hard-earned assets using simple but effective strategies, so you can have peace of mind that they’ll be protected in the long term.
Remember: it’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.
The Financial Conduct Authority does not regulate wills and trust advice.
Find out moreMortgages
When buying a property, either for yourself or as an investment, choice is crucial to you getting the best deal. We’ll compare and discuss the different options available to you, generating a shortlist from hundreds of mortgage products and lenders on the market to ensure we find the right one for you.
Whether you are moving home, entering into the buy-to-let market, or simply looking for a better deal, we’re here to help make things simple.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Find out more
Equity release
Equity release can be one way to potentially support your financial freedom later in life. There are several reasons you might be considering this route; perhaps you want to pay off debts, help a family member get on the property ladder or pay for long-term care. Whatever your circumstances, we can help.
It’s important to make sure you seek unbiased, quality advice in any major financial decision like this. If you’d like to find out more about the most suitable way to release tax-free cash from your home, we will be here to discuss your options.
Equity Release involves a Lifetime Mortgage or Home Reversion Plan. We do not provide advice on Home Reversion Plans.
A lifetime mortgage is secured against your home. To understand the features and risks, ask for a personalised illustration. Equity Release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Find out moreWhat our clients say
“Adrian ensures that my pension pot is always in the best place with quarterly updates. He looks at lifetime goals and how to achieve them.
He always gives the best advice with his thorough background knowledge and experience, and I know that I can really trust his advice for the future as I know from experience that he is working out the best results for me.”
“I have worked with Adrian for more than 20 years and am always impressed by his commitment to quality and innovation. He looks after my family finance and I have recommended him to others, all with glowing reports. I have also used him for advice and work on charity work, again with great results.”
"Adrian helped us by providing professional advice and a portfolio to suit our needs."
"Adrian helped give me confidence in financial decisions about retirement and investment so that I can make better decisions and enjoy my retirement."
"Adrian was understanding. The advice and recommendations he offered were clear and straightforward and I am now very pleased I chose Dukes IFA to look after my funds. He was just a phone call away for any help I needed. There were no pushy sales tactics and now, due to his ‘hands on’ management, my savings have grown substantially year on year."
"Adrian was thorough and insightful in his assessment of my financial position and the future financial needs. I valued his expertise to thoroughly assess the details of my finances. Adrian has always kept me informed about my investments with any changes that have occurred at all times and has always been available to talk to when I have needed help in understanding financial situations."
Contact us
For a no-obligation consultation, just leave us a message and we’ll be in touch to arrange a chat.
