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.