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The Team at Digby Associates are specialists in providing bespoke solutions for all of your financial needs, whether that is looking at Investment options, helping you plan for retirement, arranging a mortgage, evaluating your protection needs and reducing your IHT liability.
Because we take a personal interest in improving your lifestyle, and we want to help you make sure you can live life the way you want too, as well as plan for both yours and your family’s futures.
We understand that everybody’s requirements are different, we use a specially tailored approach to establish both your long- and short-term goals, in order to determine the best way forward for you.
Our regular review service establishes what your goals and aspirations are and whether they have changed. We will then if required provide the appropriate recommendations to get you back on track.
Attitude to risk:
Most of us are familiar with the concept of risk vs reward, but not everyone has the know how to transfer this knowledge to best position their Investments and Finances.
We will spend time with every client to establish what their attitude to risk is, then building their investment portfolio based on the outcome.
Opinions and feelings toward risk can change over time for a number of reasons, so it is important to maintain regular contact with your Adviser to ensure your investment strategy adapts with your changing attitude.
Savings and Investments:
What goals do you have that will take time, planning and ongoing supervision to achieve?
Each person will have a different answer to that question!
Once we have established your individual needs and objectives whether that is funding a house deposit, tuition fees or building up your retirement pot, we will be able to provide long term, strategic investment plan to help you get there.
Pensions and Retirement Planning:
What do you want your Retirement to look like?
Whatever your answer might be, the need to build up sufficient funds to generate an income in retirement stays the same.
A Pension can offer great tax advantages which can form a large part of an individuals financial plan – it is never to early to start putting a plan in place to make sure you can enjoy the retirement you want, and our Financial Advisers are on hand to talk you through the options available to you.
Arranging a Mortgage can be daunting whether you are a first-time buyer, an investor or are remortgaging. There are so many different parties involved in the process it is easy to get lost – but we are here to help.
Our experienced team of Brokers have the ability to search thousands of mortgage packages from UK Banks and Building societies, so you don’t have to. They also have access to exclusive products not available from high street lenders, so may be able to offer solutions you cannot source yourself.
We liaise between all parties involved to remove the stress from the entire process, making sure it goes as smoothly as possible and completes on time.
No one likes to think about the worst things happening, but building a solid financial plan means having the uncomfortable conversations.
Whilst having savings to act as a safety net in times of need is a good thing, it is often not enough.
There are a wide range of protection policies available to meet every need, from Income Protection to Critical Illness cover and it is essential to make sure the right cover is in place to protect yourself, your lifestyle and your loved ones.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.
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- Insurance & protection
- Pensions & retirement
- Financial planning
- Tax & trust planning
- Long Term Care