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 Workers 

Things that may occur: Planning the future

  • Starting work
  • Buying property
  • Getting married
  • Starting a family
  • Increasing income.

 

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.
  • 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.
  • Building up a pension – we are all living longer. Average age expectancy has risen from about 68 at the turn of the 19th Century to over 80 now. By the time you reach old age, it won’t be uncommon for people to live over 100. Already the state pension age will be increasing to 68 for you (under current legislation), which may of course be increased by subsequent governments. If you don’t take control of your pension planning, old age may not be much fun. We can show you how to build up a pension plan that will be worth having even before state benefits kick in.