Welcome to CharterGroup
Financial Management.

We are a small network of Independent Financial Advisers directly regulated by the Financial Services Authority, and mainly linked to firms of Chartered Accountants in The CharterGroup Alliance.

Early family stage

Young FamilyThings that may occur: 

  • Moving jobs or starting own business,
  • Getting married
  • Starting a family
  • Moving home
  • Children going to school
  • Second property

 How we help:

  • Investing savings – now you have started to build up your savings we can show you how to make the most of your investments, pay less tax, and get the best returns you can for the risk you are prepared to take. We can help you identify events that may occur in future life such as school fees, further education or starting your own business, and time your investments to mature at the right time so you have the money available to achieve your goals.
  • Mortgage – we source the best mortgage for your situation from the whole marketplace. We can help you decide which is best for you, be it fixed interest, variable, tracker, discounted, cap & collar, interest only or repayment. We will help you understand all the terms and what they mean to you.
  • Commercial finance – you may need finance to help start your own business, whether it is borrowing from the bank, Venture Capital or perhaps a “Business Angel”, we have the contacts and know how to help you through the problems and pitfalls you may encounter
  • Buy to let mortgage – As with ordinary mortgages, we have the whole market to choose from, but we will also help you decide if buying property is right for you as an investment. If it doesn’t add up, we will tell you so, and look at alternatives that may be better suited.
  • Income protection - most employers will only pay you statutory sick pay if you are off work for any time. This is currently only £81.60p.w. which is probably substantially less than you are used to. An Income Protection policy will pay you up to 75% of your earnings on top of any state benefits you may receive, plus it is usually tax free, making it even better. We can even provide cover if you are self employed. This should not be confused with PPI insurance which has been widely miss-sold by the Banks in the recent past.
  • Life assurance – now you are responsible for tiny mouths to feed, think about how your wife would survive without your income coming in! If you were to die (or get a critical illness) many of your plans for your loved ones will not have a chance of coming to fruition. For a very small relative outlay, you can ensure this doesn’t occur. “It will never happen to me!” In 99% of cases this will be true, but ask the 50,000 widows whose partners die each year if their partners thought the same, and I’m sure you will get the answer you expect? Why risk it considering how little it costs? We can even arrange for the taxman to contribute towards it in certain circumstances.
  • Pensions & SIPPs – now that your pension funds are building up, could a SIPP (Self Invested Personal Pension) be right for you? With a SIPP, you can invest in a much wider range of assets, including direct investment in commercial property. You can even borrow up to 50% of the value of your funds to boost the available capital to purchase with, so for example if you had £200,000 in your fund, you could borrow another £100,000 so you could buy a property worth £300,000! If you currently run your own business out of a property you or the business owns, we can even arrange an “in situ” transfer which can release valuable cash back to you or the business for cash-flow purposes.