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Transparent You’ll always know what you’re getting and what the cost is. We don’t like surprises and we don’t expect you do either. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592117999651-HCEK9LP7CIG53HIKK9U0/cut.jpg Advice You Can Trust - Don’t Cut Corners Our profession can be complex with lots of rules and regulations so it’s really important to be thorough and to make sure stones are not left unturned. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1580850682667-GPMO0ZH2FRLTN0M4KWLN/image-asset.jpeg Advice You Can Trust - Keep Things Simple We do all we can to translate the complex stuff in to simple terms so you can engage with things. Not always easy but we try our very best! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592118188208-6U3W4ZLXCV4ZQATLYALC/thumbs.jpg Advice You Can Trust - Do What We Say We think, one day, companies might catch on to this very basic concept! If we say we’re going to do something, expect us to do it! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592118067888-M67V5TGELLC1X3R4P8SJ/fun.jpg Advice You Can Trust - Try To Make It Fun Not always easy but we do our best to make things as engaging and enjoyable for you as possible. You’ll decide if it’s fun or not! https://www.brightonfinancial.co.uk/client-stories daily 0.75 2020-08-24 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1579172756573-PUSO2ULN4TBV8RMRXV8P/image-asset.jpeg Helping Clients Retire Successfully https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1581092051565-0876CFXKNOIQ1D3UB6BN/Brighton+Financial+Advice+Clients+M%2BB.png Helping Clients Retire Successfully - Martin & Beccy Martin & Beccy are a couple in their later 50s / early 60s. Martin was made redundant from local government and spent some time, after his redundancy, working on a consultancy basis because, frankly, he found it hard to give up work completely. By engaging with them both (and a fair amount of nagging!), we showed them what their future financial position would look like if he gave up work altogether NOW. This was powerful and Martin soon came to terms with finishing work so they’re now officially ‘a couple of leisure’! They recently bought a camper van and enjoy lots of time away in it. They’ve also had a couple of big trips abroad, most recently South-east Asia for 2 months which, they said, was amazing. I envy them greatly, however, I suppose, in a way I have to own up to being slightly responsible! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1582570833335-UPGRQA5BQQ5TGL1DNZC7/Brighton+Financial+Advice+Clients+M%2BA2.png Helping Clients Retire Successfully - Mick & Angela Mick retired a few years ago from a job he once loved but, as the years went on, he became less and less keen on it! We helped him & Angela to understand what the financial impact of retirement would be for Mick and the news was good. They could afford for him to retire and they would never have to worry about money! Next, we needed to work on Angela. She’s been a teaching assistant for many years but enjoyed her work so didn’t want to retire at the same time as Mick. That said, as she’s got older, she’s felt more and more keen to give up but they were both worried about the impact of losing her income. We were able to show them that, even if Angela finished work, they could still afford to do everything they want to and not run out of money. Angela has a passion for arts & crafts and Mick loves working on his long-distance radio. They also love travelling in Ireland. They’re happy and relaxed, knowing they’ll never run out of money!... https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1581092080627-26DTQS7E9IXUN2RTW6PM/Brighton+Financial+Advice+Clients+S%2BM.png Helping Clients Retire Successfully - Shirlie & Malcolm By their own admittance, Shirlie & Malcolm are pretty normal people. They don’t have big plans for their future and are content with a ‘simple’ lifestyle. That said, it doesn’t mean they don’t share the same concerns that we all do, namely, can they afford their lifestyle without ever running out of money? They’re cautious people who have saved all their working lives. Their daughter and son have grown up so it’s just them. They like to have weekends away and Shirlie sure does love her curries! They go out for an Indian at least once a week (but usually more). Shirlie & Malcolm needed reassurance. They needed to know that they were going to be OK. We’ve worked with them for some years now and remind them constantly that they’re going to be OK for money. We help them keep track on things and we remind them that, if they want, they can push the boat out a bit. A significant wedding anniversary is coming up and they’re likely to splash out on a lovely cruise, safe in the knowledge that their robust financial plan for the future won’t be affected. We’re so happy for them! https://www.brightonfinancial.co.uk/key-info daily 0.75 2019-12-10 https://www.brightonfinancial.co.uk/about-us-info daily 0.75 2022-11-12 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1637651359673-VVY4QCV7JPNHKI1MJLUN/ocean-g9603f9d45_1920.jpg Expert Financial Advice https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1576577832760-FRZ4TV2JOTQ819CMG7D7/Brighton+Financial+Advice+Planning+Marco+Valone2.png Expert Financial Advice - Welcome I’m Marco Vallone, the founder. It’s easy to tell you how great we are on our website. I’ll spare you that and invite you to meet us to find out for yourself. The only thing I would say, though, is that the part of the job I enjoy the most is having a positive impact on the lives of our clients. Everything else fits in to place after that. We provide independent financial advice. We try to not no to use jargon because we like to keep things simple. Whatever financial service you might need, it’s important that you seek regulated independent advice so you know you’re protected. There’s more to life than work so, when I’m not in the office, I like to enjoy time with my family (I know, everyone says that!). I do a bit of running and also enjoy martial arts (I do Taekwon-Do). But I’m not one of those annoyingly sporty people. I like reading and watching Netflix as well. Relaxing is a much meligned activity! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1601969248160-GGX4NOS1MZLEWPQWG09W/A+Bit+About+Us.jpg Expert Financial Advice https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1601974659706-HS6AK9WB3PAJLS0YQ9LB/what+would+working+together+look+like.jpg Expert Financial Advice https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592560300873-ZAHONQGRTN1MTYYM92WE/Brighton+Financial+Advice+Planning+DW.png Expert Financial Advice Donna is our paraplanner. She helps with a lot of the research and report writing work. She’s very capable and is an important part of the business. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592560396488-XCBM8WE92V90KVMK9EWN/Brighton+Financial+Advice+Planning+TN.png Expert Financial Advice Tracey is an expert in compliance. She supports our business with regular compliance support and oversight to make sure the business you’re dealing with is safe! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1592560412368-EMARYQ6F1B748ZS6FFEO/Brighton+Financial+Advice+Planning+NF.png Expert Financial Advice Nathan helps us with strategic work. The type of things where it’s good to get a fresh pair of eyes on. He challenges my thinking and, therefore, makes sure I don’t always get my own way! https://www.brightonfinancial.co.uk/your-journey daily 0.75 2021-04-03 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1590521570731-5YSMSQJXR9GCT955YBJJ/markus-leo-jkE0O9VtWxI-unsplash.jpg Working With You For A Better Retirement https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578159838668-EC5POV2IUIKEFCSPL8QK/image-asset.jpeg Working With You For A Better Retirement - Initial meeting We think it’s important to get to know you and what you want to achieve. We also think it’s important for you to get to know us. We need to be a good fit for each other. Our initial meeting will be at our expense so, if it doesn’t work out, all it’s cost you (and us) is nothing more than a not too unpleasant hour or so of each other’s time! We’ll also explain how we work and our fees. You can then decide if you want to take things further. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578160143961-68CYMF6C8FBAT8PS8PVF/image-asset.jpeg Working With You For A Better Retirement - Planning Things For You If we get on and if we feel we can help, we’ll need to do quite a lot of work to fully understand your position and if your resources can support the lifestyle you want in the future. Once we’ve done this work, we’ll meet with you again to show you what things will look like. This is the exciting part for you! Everything we do is done with you in mind and what you’re looking to achieve. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578165247365-RDHTFDCREU1LIEP48FE6/image-asset.jpeg Working With You For A Better Retirement - Taking Action It might be that you’ll need to take some action to give you the best chance of achieving your goals and living the lifestyle you want, now and in the future. If this is the case, we’ll tell you what that action is and why we feel it’s necessary. Don’t worry, we’ll help you with this. We make sure we keep things simple and reduce the amount of jargon we use. No-one wants to be bogged down with jargon! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578166163155-XUZT7U7IOLB3ZCOHQ9V9/image-asset.jpeg Working With You For A Better Retirement - Keeping You On Track A lot can change in life, you don’t need us to tell you that. It’s important to regularly review things to make sure you always know what your future will look like. We want to ensure you can always live the lifestyle you want, regardless of what happens in your life (and the world outside it) so we’ll meet with you regularly to make sure this happens! https://www.brightonfinancial.co.uk/contact-banner daily 0.75 2020-02-02 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1576011139544-PNFF4EJW96I88ZKUVIFR/image-asset.jpeg Banner https://www.brightonfinancial.co.uk/contact-us daily 0.75 2021-09-22 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1576011337024-92P3GTBVOTPQC9DB5FKE/image-asset.jpeg Contact Form https://www.brightonfinancial.co.uk/about-you-info daily 0.75 2020-10-06 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578992953842-KZP25V2OUQZM0W1UKHB2/image-asset.jpeg Investment Strategies That Work https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1598291124235-SMV3EUM5XIX4HRK4RDDC/for+a+friendly+no+obligation+chat.jpg Investment Strategies That Work https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1601969385065-DPGFVARBV0CRJGG772OC/What%27s+on+your+mind.jpg Investment Strategies That Work https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1601974684103-X7SW9MXLV017B3HFUYQW/how+can+we+help+you.jpg Investment Strategies That Work https://www.brightonfinancial.co.uk/faqs daily 0.75 2022-12-02 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1639466416873-X1TSKL6ZN4QESPTOBVO5/question-mark-gcddf4afab_1920.jpg Questions About Retirement https://www.brightonfinancial.co.uk/privacy daily 0.75 2024-03-10 https://www.brightonfinancial.co.uk/subscribe daily 0.75 2020-06-19 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1578865198785-7HFKAWXM4D0DGPROD8BF/brighton_financial_bg2.jpg Subscribe https://www.brightonfinancial.co.uk/pensions-advice daily 0.75 2022-09-12 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1637048040013-BF8JDE133XB5J67Q0UBI/PENSIONS+ADVICE.jpg Independent Pension Advice https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955122282-SJPRZ1ZRMLLLSVVGE239/Pensions-Advice-Brighton-Financial-2.jpg Independent Pension Advice - Personal Pensions Personal Pensions come in so many shapes and sizes and each one has its own features and benefits. We’ll take the time to explain your pensions with you so you’re completely clear on what they look like and how they fit in with your plans for the future. It might be that you feel you need a SIPP (Self-Invested Personal Pension), Drawdown or an Annuity. Once we understand your situation fully, we’re then in a position to recommend the most suitable product for you that helps you through the rest of your life. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955359114-M414FVOL9HBY1B5ILI3X/Pensions-Advice-Brighton-Financial-3.jpg Independent Pension Advice - Self-Invested Personal Pensions (SIPPS) SIPPS can be complicated. They can have different rules and investment options to personal pensions. If you have a SIPP, it’s important that you understand how it works along with its flexibility and limitations. This is something we can help you with. A lot of people have heard the term ‘SIPP’ and are a bit daunted by it. They’re famed for offering a very wide investment choice. We’ll help explain them in simple terms. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955407985-7XNR6DDQAREX068XJKXM/Pensions-Advice-Brighton-Financial-4.jpg Independent Pension Advice - Annuities An annuity is where you convert all or some of your pension pot in to an income (either for life or for a set period). How much you get depends on annuity rates. We’ll help identify if an annuity is appropriate for you and, if it is, we’ll help you find the most suitable one. For a lot of people, annuities are the right answer but pensions have changed a lot in recent years so it’s important to make sure you fully understand the pros and cons of them. They’re with you for the rest of your life! You might have lots of options such as which type of annuity to take (lifetime annuity, enhanced annuity, etc.), if you need a guaranteed period and what level of annuity income is right for you. We can help with this. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955449441-L3OMKJPUVAI2H784ARR4/Pensions-Advice-Brighton-Financial-5.jpg Independent Pension Advice - Group Pensions You might be part of a group pension scheme at work. This is great news because it probably means your employer is paying into it as well as you. That said, do you fully understand what’s going on inside the pension? We can help shine a light on group pensions. Another issue to consider is what flexibility you have when it comes to taking your pension from your work scheme. You need to understand this so you can plan correctly. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955525992-Q0EYOW0BBENQW1L2KDVU/image-asset.jpeg Independent Pension Advice - Final Salary Pensions We’re not authorised to advise you on final salary pensions, however, we can incorporate these benefits into your financial plan. https://www.brightonfinancial.co.uk/our-fees daily 0.75 2024-12-11 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1593510265926-Z3VAFCWHFYZHHRCVXCKE/Our-Fees-Brighton-Financial-1.jpg Clear Fees https://www.brightonfinancial.co.uk/our-services daily 0.75 2021-01-21 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1637047906715-VIBRFKXHRQL3IF1KGXU0/SERVICES.jpg Helping You With Your Pensions https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1602055815199-M3D0O9GFZTMWEGYWE0B9/our+services.jpg Helping You With Your Pensions https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1602055850004-RMALRE5TJDSVFG28L8BF/clear+and+straightforward.jpg Helping You With Your Pensions https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595834664246-QPIVZ80I5YM0N37ZCENR/brighton-financial-contact-background.jpg Helping You With Your Pensions - Contact us for a free initial chat… Phone: 01273 419946 Email: marco@brightonfinancial.co.uk https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1593682665274-UO92ITNOSJ9B7PENZSHL/Pensions-Advice-Brighton-Financial.jpg Helping You With Your Pensions - Pensions Advice You may have a number of pensions. If you’re like most people, you may not fully understand them. That’s OK because the word ‘pension’ leaves most of us cold. The trouble is, pensions are important so we do need to get to the bottom them. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1593682746425-BORUVCJWSXRSZWI43A46/Investment-Advice-Brighton-Financial-6.jpg Helping You With Your Pensions https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1593682771651-E1MBXIH2388DHC02PLNK/Retirement-Planning-Brighton-Financial-5.jpg Helping You With Your Pensions https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1593682848216-W4LC0HPCCN8XLQZENBH1/Financial-Planning-Advice-Brighton-Financial-1.jpg Helping You With Your Pensions https://www.brightonfinancial.co.uk/get-in-touch daily 0.75 2021-09-22 https://www.brightonfinancial.co.uk/inheritance-advice daily 0.75 2021-07-06 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1596022621252-WFFOHOMA17CCGFM3GQBL/Inheritance-Advice-Brighton-Financial-2.jpg Inheritance Advice | Sussex https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955122282-SJPRZ1ZRMLLLSVVGE239/Pensions-Advice-Brighton-Financial-2.jpg Inheritance Advice | Sussex - Investing with Empathy Put simply, it can change a person’s life from a financial point of view. That said, the circumstances behind receiving this money could well be extremely sad. We understand that your inherited money needs to be sensitively dealt with. Because we’ve helped a lot of people in your position, we think we understand the issues you’re likely to be going through and that means we can use an approach that helps you make the right decisions for you and your family. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955359114-M414FVOL9HBY1B5ILI3X/Pensions-Advice-Brighton-Financial-3.jpg Inheritance Advice | Sussex - Sense of Responsibility Inheriting money can come with a great sense of responsibility. Many clients tell us that they feel a strong sense of ‘doing the right thing’ with the money. What should you do to feel satisfied you’ve done the responsible thing with the money? Very often, clients tell us they don’t feel the money they’ve inherited is theirs, they’re simply guardians of it. That’s a lovely way of thinking but it brings with it a potential burden that needs to be acknowledged. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955407985-7XNR6DDQAREX068XJKXM/Pensions-Advice-Brighton-Financial-4.jpg Inheritance Advice | Sussex - Understanding the Impact If the amount you’ve received is significant, it could be that it brings with it some problems which could involve the need to pay tax or other complex issues. Sensible planning is, therefore, important. We don’t live our lives expecting windfalls so, when they happen, it can be wonderful but it can also be intimidating. You need to know you’re doing the ‘right’ thing with this new money. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955449441-L3OMKJPUVAI2H784ARR4/Pensions-Advice-Brighton-Financial-5.jpg Inheritance Advice | Sussex - Helping Others It might be that what you inherit puts you in the wonderful position where you can help others, perhaps your children or charities. We’ll help you identify ways of doing this so you feel reassured about your decisions. Taking time to consider how much of this money you might need and how much you might be able to pass on to others is an important and valuable part of the work we do in this area. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955525992-Q0EYOW0BBENQW1L2KDVU/image-asset.jpeg Inheritance Advice | Sussex - Understanding your Situation Helping people who’ve inherited money is a big part of what we do. We think we understand the issues and, perhaps, how you’re feeling about the money you’ve inherited. You need to get the investing right but it needs to be done with a high degree of sensitivity. It’s also important not to make the process complex by introducing complicated investing terms and jargon. We’ll keep things simple and easy to understand for you, particularly since this could form part of your estate. https://www.brightonfinancial.co.uk/retirement-advice daily 0.75 2020-09-08 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1637651164434-YFLPAE0ZEWHDLO9E82U1/SERVICES+RETIREMENT+ADVICE+HEADER.jpg Retirement Planning https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955122282-SJPRZ1ZRMLLLSVVGE239/Pensions-Advice-Brighton-Financial-2.jpg Retirement Planning - Retirement is a VERY big deal! You’re likely to have been working for many decades. The concept of no longer doing this can be exciting and scary at the same time. We understand that and will do all we can to help the transition. We’ve helped many people cross the threshold by helping them plan, financially and mentally, and making their transition as smooth as it can be. There’s a lot to consider and it’s certainly not just about financial products! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955359114-M414FVOL9HBY1B5ILI3X/Pensions-Advice-Brighton-Financial-3.jpg Retirement Planning - It’s never just about the Money The value of your pension pot and investments probably isn’t your primary concern. It’s whether or not they can support the lifestyle you want after your working life. Can you do all the things you want to without running out of money? What are your goals? What are your dreams? What does a great retirement look like to you? Yes, the money’s important but it’s only there to facilitate what you want your life to look like. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955407985-7XNR6DDQAREX068XJKXM/Pensions-Advice-Brighton-Financial-4.jpg Retirement Planning - A considered approach We’ll help you plan by first looking at the lifestyle you want to live and why this is important to you. We can then look at the numbers and show you that everything’s going to be OK or, if not, what adjustments you need to make. Without knowing what you want the longest holiday of your life to look like, how do you know what the money side of things needs to do for you? It’s got to be in the right order. Then you can decide if you need an income, a lump sum, an annuity, drawdown, etc. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955449441-L3OMKJPUVAI2H784ARR4/Pensions-Advice-Brighton-Financial-5.jpg Retirement Planning - Setting things up You’ll need to get off on the right foot. Making sure your pensions and investments are aligned to what you want to achieve is a key part of our work. This includes keeping things tax-efficient and making sure you have all the flexibility you need. Once that’s done, you’ll have confidence that your retirement income (including your state pension) is in order and this will give you the platform to live a retirement as free from financial worry as possible. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955525992-Q0EYOW0BBENQW1L2KDVU/image-asset.jpeg Retirement Planning - Time will Tell Things are always changing in life. Once things are set up for you, it’s vital to review things regularly so you always know you’re going to be OK. Over time, you’ll feel confident you have control over your financial destiny! Things certainly don’t go to plan. How will you know if a major change in your life (desirable or otherwise!) is going to impact on your financial security? We’ll help you with that. https://www.brightonfinancial.co.uk/investment-advice daily 0.75 2021-02-11 https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1637048148349-FUNTKTYFXAAES9EZFMSM/INVESTMENT+ADVICE.jpg Independent Investment Advice https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955122282-SJPRZ1ZRMLLLSVVGE239/Pensions-Advice-Brighton-Financial-2.jpg Independent Investment Advice - How much risk is right for you? How do you know what the right level of investment risk to take is? Well, there’s a balance that needs to be struck between how much risk you can AFFORD to take, NEED to take and FEEL about taking. Getting this balance is crucial with financial planning. We’ll help you strike this balance. Part of our work with clients is to constantly monitor the level of risk you’re taking so you stay within your comfort levels. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955359114-M414FVOL9HBY1B5ILI3X/Pensions-Advice-Brighton-Financial-3.jpg Independent Investment Advice - Clear investment philosophy We have a strong investment philosophy. We’re slightly geekish about this subject which should reassure you! We study what’s happening in the world of investments and this has resulted in our clear and easy to explain investment philosophy. Put simply, we follow some straightforward but effective investment principles which include spreading your money far and wide, keeping costs low and minimising the tax you pay. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955407985-7XNR6DDQAREX068XJKXM/Pensions-Advice-Brighton-Financial-4.jpg Independent Investment Advice - Process, not speculation No one knows what the investment markets are going to do. Guessing doesn’t make a lot of sense to us. Instead, we follow a tried and tested investment process, that’s based on evidence and, over time, delivers results. This doesn’t offer any guarantees (there are no guarantees with investing!) but it means you’ll have a clear understanding of what you own and how it tends to behave! https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955449441-L3OMKJPUVAI2H784ARR4/Pensions-Advice-Brighton-Financial-5.jpg Independent Investment Advice - Costs & Tax No-one likes to pay more in costs than they have to and, certainly, no-one wants to pay more than they have to! Part of the work we do with investments is to make sure you have low cost and tax-efficient arrangements. This doesn’t mean cheap is always good. At the same time as considering the costs, we also look for quality and will help you find the balance. https://images.squarespace-cdn.com/content/v1/5dd8fd54782768313a2eed82/1595955525992-Q0EYOW0BBENQW1L2KDVU/image-asset.jpeg Independent Investment Advice - Ethical? Ethical investing is REALLY important for many people. We should all want to leave our planet In better shape than how we found it. We offer ethical investment options for all our clients so we can accommodate this important consideration. Investing ethically comes with additional considerations that you need to be aware of and we’ll talk you through these in a simple and straightforward way.