Jigsaw Financial Planning Ltd
Get a consultation
Helping you piece together your financial future
At Jigsaw Financial Planning we believe that great financial advice is central to building a more certain financial future for our clients.
Integrity and professionalism
We will always act with the utmost degree of integrity and professionalism, and will be open and ethical in everything we do. We operate a transparent charging structure and put your best interests at the heart of everything we do on your behalf.
At Jigsaw Financial Planning we believe that professional financial advice can add significant value to individuals and to businesses; we are able to offer a comprehensive ongoing review service designed to create real value for our clients.
We are based in Dorset but able to cover the whole of the UK.
As qualified, experienced financial advisers we are able to offer advice on a broad range of products and services, whether you are seeking protection, mortgages, investment advice, retirement planning, inheritance planning, or simply reducing costs. We research the whole of the market on your behalf, doing all the leg work for you and ensuring the advice given is the best for your individual circumstance.
Helping you prosper – our guarantee to you
We will be open, honest and transparent with you at all times.
We will act with integrity in everything that we do (our reputation depends on it).
We believe in delivering on our promises, ensuring we will do what we say we will.
We believe that you have every right to expect value for money, and that’s what we will constantly strive to deliver.
Services we provide:
Protection
What is the most valuable thing you have? Your house? Your car? Or is it you?
Protecting your income and your family should be the cornerstone of financial planning. Illness, losing your job or death can all bring on real financial hardship and the plans that you and your family have made may not be possible. It is important to protect those dreams and the life you worked so hard to make possible.
There are many forms of protection and choosing the right one for you will depend on many factors, including existing provisions, your goals and your tax position. We are here to make sure that you get the right cover for your needs.
Life Assurance can protect income, your family, any child maintenance you receive and even your business, it can even be arranged to minimise the effect of tax that is payable. This should be the start of your financial planning and needs reviewing regularly to ensure it continues to meet you and your family’s needs to be able to cope with the unexpected. We will review with you what your risks are, calculating how much you would need to protect your income, cover your debts and keep those family dreams a possibility.
Education is high on most parent’s priorities and increases in school trip costs, the variety of extra curriculum activities, increasing University fees and changes to the available grants mean careful planning is needed to give your child the best educational future. It is not just about saving the money to ensure they get the best start in life, but also protecting your income so your children are provided for if you lost your income.
The National Health Service and the government’s Welfare Reform changes are often in the news, with fewer people qualifying for state benefits. We can help you make provisions so you can be back on your feet and spend your time getting better and not worrying about your finances.
Whatever your circumstances, concerns and goals, we can help you to protect them, now and into the future.
Mortgages
For most people, a home is likely to be the biggest financial commitment they will ever make and there are so many confusing options available – do you go for the low interest rate or low fees? Fixed or Tracker? Traditional of Offset?
An initial headline rate may be low, but the addition of application fees, product fees, conditional insurance, lock-in periods and a whole host of other variables may make that initial rate seem less attractive.
By speaking with us you ensure that your mortgage product is the most suitable for your needs and circumstances.
Independent advice
Jigsaw Financial Planning is not tied to any lender, which means we can give you unbiased recommendation and work in your best interests to establish the most appropriate product and lender for you. We then offer to review your mortgage product throughout the term, considering all available options until the debt becomes £0.
We make it easy
So whether you are a first time buyer, re-mortgaging, moving home, investing in a buy-to-let or let-to-buy property, building your own home or looking to release equity, you can be sure that we have all the tools you need to make the process as easy as possible for you.
Help to Buy
Help to Buy is a government scheme which can help you to buy a property with just a 5% deposit. There are two ways to make use of the scheme:
Equity loans where the government lends first-time buyers and existing homeowners money towards a newly built home. You put down 5% and the government puts down 20% so you borrow the final 75% on a mortgage. As you are in effect bringing 25% deposit to the table, your mortgage rate is a lot more competitive than with a lower deposit.
Mortgage guarantee where the government promises your lender that it will cover part of any losses they may sustain as a result of the mortgage not being repaid. This is available for new and old properties across the UK and means that you only need a 5% deposit.
We can help you find out how the Help to Buy scheme works and how to qualify.
Investments / Portfolio Planning
What is the most valuable thing you have? Your house? Your car? Or is it you?
Protecting your income and your family should be the cornerstone of financial planning. Illness, losing your job or death can all bring on real financial hardship and the plans that you and your family have made may not be possible. It is important to protect those dreams and the life you worked so hard to make possible.
There are many forms of protection and choosing the right one for you will depend on many factors, including existing provisions, your goals and your tax position. We are here to make sure that you get the right cover for your needs.
Life Assurance can protect income, your family, any child maintenance you receive and even your business, it can even be arranged to minimise the effect of tax that is payable. This should be the start of your financial planning and needs reviewing regularly to ensure it continues to meet you and your family’s needs to be able to cope with the unexpected. We will review with you what your risks are, calculating how much you would need to protect your income, cover your debts and keep those family dreams a possibility.
Education is high on most parent’s priorities and increases in school trip costs, the variety of extra curriculum activities, increasing University fees and changes to the available grants mean careful planning is needed to give your child the best educational future. It is not just about saving the money to ensure they get the best start in life, but also protecting your income so your children are provided for if you lost your income.
The National Health Service and the government’s Welfare Reform changes are often in the news, with fewer people qualifying for state benefits. We can help you make provisions so you can be back on your feet and spend your time getting better and not worrying about your finances.
Whatever your circumstances, concerns and goals, we can help you to protect them, now and into the future.
Retirement Planning
Retirement is one of the biggest life changes you will face, so it’s vital to prepare for it properly. Too many people are doing too little too late. Careful planning early on can make a big difference to the lifestyle you will enjoy when you retire.
We have access to the most up to date technology to ensure your financial future is more secure as a result of working with us. We specialise in retirement planning whether it is accumulating funds, making the transition from work to retirement or making the most from your capital in retirement. We are here to help.
Where are you now?
Whether you are many years away from retirement, or whether you’re retiring now, our checklist below will help you take the right steps at the right time to maximise your income and provide peace of mind:
Estate Planning
Some people may think estate planning is only for the wealthy but with increasing house prices, especially in Dorset and the surrounding areas, adding up the value of your assets can be a surprising experience and more people than ever before are entering the inheritance tax trap.
Inheritance tax laws have been subject to many changes over the years and we will guide you through the current legislation and continue to review your estate with you. Many people may think that if they do not have a Will, the assets will go to where the family want them. This may not be the case and the government laws in intestacy will be applied.
At Jigsaw Financial Planning our expertise in these matters gives you a viable and practical way to help minimise your tax liability – by carefully structuring your financial affairs so that you’re able to fully benefit from all the exemptions and reliefs to which you are entitled.
We may recommend investments or trusts, talk to you about lifetime transfers or life assurance plans, clearly explain the benefits and consequences of each different route – and whatever the best solution, you can be sure our proposals will meet your particular requirements as appropriately and effectively as possible.
Are you Ready?
Get a consultation- Insurance & protection
- Pensions & retirement
- Mortgages
- Financial planning
- Investments
- Savings
- Business
- Long Term Care
DipPFS – Diploma in Financial Planning
£50 reduction in advice fee.
Normally £295 for My Bump2Baby users £245.