Greenfields Financial Management ltd

With so many investment choices now available to investors, narrowing the options can be confusing. It is important to have a structured approach to investment management. We will therefore define and agree your investment objectives, determine an appropriate strategy and construct an investment portfolio to satisfy your particular requirements. In doing so, we will:

Agree your financial objective(s), whether it is for capital growth, income or a combination of both.
Agree the timescales for investments to be held.
Determine the level of return anticipated over the long-term.
Identify an appropriate balance between risk and return.
Consider asset allocation, correlation and diversification.
Ascertain how best to own and control investments.
Ensure appropriate tax-efficient investment.
Determine suitable benchmarks for comparisons.

There are many ways in which an Individual or family can protect itself, Term assurance, Critical Illness, Income protection, Relevant Life plan to name but a few.

Due to the large range of products available, this can be a daunting and confusing prospect. This is where we can help.

At Greenfields, we use our expertise and grounded, down to earth approach to discuss your potential areas of need and walk you through all available options. We can tailor the right solutions for you and ensure you are receiving the best possible value for money, whilst being the correct cover for both your current and future needs

Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time-consuming experience. That is where we can help to make this process as easy as possible.

We will offer a no obligation free consultation meeting. It is an opportunity for you to find out more about us and how we work for you, our clients.

We carry out a thorough fact find exercise including a detailed assessment of your incomes and outgoings. This will allow us to tailor a mortgage to you and your specific circumstances.

We source from our whole of market access a variety of possible mortgages and protection solutions (If Required) to suit your needs and circumstances.

We will submit your application to the mortgage / Protection company, taking the burden of extensive form completion away from you.

We monitor the progress of your application, answer any queries from the lender and update you regularly on the progress of your application.

We can offer you advice on which products to select whether that be a fixed, tracker, offset, capped and discount, over a term that best fits your requirements.
In addition to residential, buy to let, holiday home and self-build mortgages, we also provide advise on Commercial and Semi-Commercial mortgages as well as a wide range of protection and general insurance products.

Research has shown that as many as 30 million people are paying too much tax. More than £5bn, or around 5% of HMRC’s expected income, could have been saved if people had arranged their affairs more efficiently.

We can offer advice on matters ranging from simple tax-free savings for children to tax strategies when you make your will.

Inheritance tax is increasingly becoming a concern for many people and not just wealthy landowners or superstars as may have previously been the case. The value of our homes now means that IHT is, more often than not, a consideration for us all.

With careful planning Greenfields Financial Management can help guide you through the complexities of inheritance tax planning. Reducing your potential liability doesn’t necessarily mean giving all your money away or involve setting up expensive and complicated offshore trusts.

Equity release has made a genuine, positive difference to the lives of thousands of people in the UK.

During our meetings we will discuss all available options to you and explain the benefits and disadvantages of each option. We will discuss the implications of reducing the value of your estate as well as the financial repercussions should you decide to repay your equity release early or service the interest.

Taking out an equity release plan is an important financial decision and isn’t right or suitable for everyone.

Consulting a qualified adviser will help you to explore your options and consider how the different plans available might best meet your requirements, both now and in the future.

At Greenfields we offer expert, impartial, whole of market and award-winning advice on all later life lending options.

Knowing where your finances are today is not enough – it’s knowing where you are going which is more important.

We look at where you are, where you want to go and then work out what you have to do now to get there.

We help you to look at your financial future using lifetime cash flow forecasting software which helps you to see clearly where you are heading. It helps you answer important questions like: ‘’When will I have enough to retire?’’ or, “can I afford to retire early?’’ And if you are already retired: “How much can I spend and still have enough money for the rest of my life?” or, ‘’how much can I give away without ever running out of money?’’

Lifetime cash flow forecasting is essential for you to achieve financial freedom and to provide you with financial peace of mind. Clients are much more interested in ensuring that they can maintain (and improve) their current lifestyle, than whether one fund is performing better than another. Because fund performance is important too, we keep a close eye on your investments, allowing you to focus on what you want to do and live the life that you deserve.