Independent Financial Advice in Falmouth, Cornwall

My aim is to help people prepare for the retirement they want. I provide advice and select products to suit each client’s own circumstances, needs and goals. Many individuals leave this too late, so it is crucial that they get advice early.

Protection insurance can provide the peace of mind that you and your loved ones will be looked after financially if you fall ill or are unable to work. They can also be used to protect your business or cover commercial debts, such as a mortgage.

These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Individuals who hold more than £30,000 in a defined benefit pension (“DB”) and wish to transfer out must get specialised advice. 2plan hold the correct regulatory permissions to advise on DB pension transfers.

A pension is a long-term investment, and the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

For most people, a mortgage is the biggest financial commitment they’ll ever make, and because the impact of having the right or wrong mortgage can affect you for years to come, it’s valuable to seek expert advice early on. OctoFP are not tied to any specific mortgage provider or lender. This means that OctoFP source mortgage products from the whole market and to find the most suitable offer for you. OctoFP are part of the 2Plan Network which means you can benefit from special or exclusive mortgage deals which can’t be found anywhere else.

Equity release is a process to unlock a portion of your property value and turn it into cash. You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home. You don't need to have fully paid off your mortgage to do. Persons considering Equity Release should evaluate all other available alternatives, including downsizing, prior to making a decision.

With increasing NHS waiting times, private medical insurance (PMI) is becoming more important for families in the UK. PMI works alongside the NHS to provide you access to shorter waiting times, a choice of location and a choice of doctor. Octo has access to the main participants in the insurance market.

Investment advice is based on clearly understanding your financial situation, your goals, and how much risk you are prepared to take with your money. No two people are the same and any solution recommended needs to be right for you and that you have all the information you need to make a clear decision.

Families use their collective wealth to support each other during their lifetimes through estate planning and intergenerational wealth management. As people live longer, families are looking at how to collaborate earlier rather than passing wealth upon death. Wealth management in this area of financial planning can involve protection for the whole family, helping family members onto the property ladder, investment plans for children and inheritance tax mitigation.

Please note that the FCA do not regulate will writing, tax planning and trusts.

The initial meeting gives me the opportunity to explain who I am, how I work, and the services I offer. It’s also a chance for you to ask any questions. After that, I’ll gather some information about your current circumstances and discuss what you’d like to achieve so I can understand how best to help.

It’s helpful to bring any documents relating to your existing plans or policies — for example, pension statements, investment summaries, insurance documents, or income details. Don’t worry if you can’t find everything; we can still have a productive first discussion.

There is no charge for the initial meeting, and there is absolutely no obligation or pressure to proceed.

For ongoing advice and wealth management services, you can choose from a range of payment options that can be tailored to your needs. Before any work begins, we will agree together:

• the services you would like, and
• how you prefer to pay for them.
  No charges will be applied until everything has been discussed and agreed.

Payment options vary depending on the type of product or advice:

• Pensions and investments: we agree a fee (often referred to as an adviser charge).
• Protection products: we can either agree a fee or receive commission from the provider.

If VAT applies, I will let you know in advance, and an invoice will only be issued once work has been completed.

Yes.
The FCA categorises financial advisers as either Independent or Restricted.
As an Independent Financial Adviser, I can consider a wide range of products and providers across the market to ensure my recommendations are fair, unbiased, and aligned with your personal needs.

I work with a wide variety of clients at all stages of life — from those planning for retirement, to individuals already retired, to younger clients taking their first steps into financial planning. My focus is on understanding your goals and providing guidance tailored to your circumstances.

No. I’m happy to meet with prospective clients regardless of how far along you are in your financial journey, and I will always help where I can.

Yes — whichever suits you best.
You’re welcome to visit my office for a face-to-face meeting (and a cup of tea), or we can arrange a Teams call if you prefer a virtual appointment.