Comprehensive Financial Services
Expert, unbiased financial planning covering retirement provision, wealth investments, estate and family protection, and commercial or residential mortgages.
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Retirement Planning
Securing adequate income throughout your retirement years with disciplined, whole-of-market pension guidance.
With an ageing population, many of us will live longer through retirement than through our working lives. The financial implications for providing for adequate income in retirement are crucial. Regardless of your current life stage, it’s vital you receive proper financial advice.
Whether you need to understand post retirement financial implications of your current provision, apply for employee pensions for your employees or indeed yourself, transfer pensions from existing pensions funds with former employers, we can help you navigate your way through retirement planning.
Perpetual Independent Financial Advice offers advice on the following range of products:
State Pension
Guidance on entitlements, qualifying years, forecasts, and voluntary National Insurance contributions.
Stakeholder Pensions
Low-cost, flexible, charge-capped pension structures meeting statutory contribution criteria.
Personal Pensions
Tailored personal pension arrangements matching individual contribution schedules and investment profiles.
Self-Invested Personal Pensions (SIPPs)
Flexible schemes granting extensive investment control across funds, equities, and commercial real estate.
Trustee Schemes
Occupational and company pension schemes, managing corporate fiduciary responsibilities.
Retirement Plans
Strategic accumulation programs aligned with targeted retirement milestones and life transitions.
Drawdown Plans (Income Drawdown)
Flexible income withdrawal while keeping remaining funds invested to combat inflation.
Annuities
Securing a guaranteed income for life, evaluating conventional, enhanced, and inflation-linked options.
Transfer Plans (incl. Section 32)
Consolidating legacy deferred pensions, buyout bonds, and Section 32 plans with former employers.
A Holistic Strategy Beyond Pensions
"But there is much more to retirement planning, than simply pensions. Your individual strategy must encompass all of what is, for most, the biggest change to their financial circumstances in their adult life."
There has never been so much choice available, and knowing when to take up the best option for you is vital. You can choose from a range of benefits and investment options to make sure your needs are anticipated and met.
Investments - Building and Preserving Capital
Disciplined portfolio management and continuous advisory oversight to help your capital achieve its long-term potential.
There is real potential for increasing the value of your capital through investment, but only if your money is managed in the right way. The performance of your investments could make a fundamental difference to your future financial well-being; so reliable financial advice you can trust is important.
Good planning is central to achieving long term success, but it would be incredibly difficult for non-financial specialists to keep up with every aspect affecting their investments. Perpetual Independent Financial Advice are proactive in monitoring your investments and will gladly meet with you annually to review your investments’ performance.
Global Markets & Dynamic Asset Classes
"Global investment markets are forever shifting. We offer our investors the expertise to make the most out of capital growth opportunities."
There are many types of investments from directly investing in stocks, shares and bonds or through Unit Trust or OEICs through to the more complicated so called structured products.
Stocks & Shares
Direct equities providing growth exposure to leading UK and global enterprises.
Fixed-Income Bonds
Corporate and government gilts delivering regular yield and stability.
Unit Trusts & OEICs
Diversified collective investment funds managed by vetted institutional managers.
Structured Products
Contractual investment solutions offering defined return profiles tied to specific market indices.
"At each decision point, Perpetual Independent Financial Advice can help you so that the outcome of the investment is right for you and, of course, we aim to stay with you to help build a balanced worthwhile and long-term, lucrative portfolio."
All forms of investment involve some degree of risk. Investments can go down as well as up. You may get back less than you originally invested. Past performance is not a guide to future performance, or a reliable indicator of future results of performance.
Protection Plans
Whole-of-market life assurance, critical illness cover, income protection, and inheritance tax planning.
Many aspects need to be considered when we are looking to protect our homes and families - inheritance and capital gains tax, illness, loss of income and death; to name but a few. Assessing and advising on suitable financial protection is at the forefront of our financial advice; and whilst this topic can be difficult to address, we aim to ensure our clients are well equipped to make the right choices about protection.
Inheritance Tax Threshold (Nil-Rate Band)
The inheritance tax threshold (or nil rate band), is the amount up to which an estate will have no inheritance tax to pay and Perpetual Independent Financial Advice can advise you on ways to protect your estate.
Protection Planning & Gap Analysis
As consumers, we are often advised to take up insurance, and certain insurance policies have developed negative headlines in recent years. Other forms of insurance seem more accessible and necessary, for example, insuring your home, your car, your holiday. How can you make sure you are choosing the right policy for you? Consider the following possibilities:
We source protection independently from the whole-of-market.
Mortgages
Securing competitive home, commercial, and property investment finance tailored to your attitude to risk.
Securing finance to support the purchase of your home or investment properties, is likely to be one of your largest ongoing financial commitments.
Perpetual Independent Financial Advice works with clients on:
First Time & Residential
Guiding first-time purchasers and home movers through rates, eligibility, and affordability.
Re-Mortgages
Refinancing existing properties to secure better interest terms or release accrued equity.
Buy-to-Let & Let-to-Buy
Specialist investment financing for portfolio landlords and residential property investors.
Commercial Finance
Securing funding for commercial premises, development sites, and business trading spaces.
Lifetime Mortgages
Specialist equity release options for mature homeowners to release capital from their property.
As a whole-of-market independent firm, Perpetual Independent Financial Advice will select mortgage products using the latest sourcing technology. We will always secure the most suitable offer available to our clients, even if this means you staying with your current provider.
We can arrange repayment, interest-only, endowment, pension-linked, and ISA mortgages; with fixed, variable, capped & collared, discounted, cash-back or tracker rates. We will guide you through making the most suitable choice depending on a number of factors, including working with you to assess your attitude to ‘risk’.
Pre-Completion Information Guarantee
Once a solution has been sourced, Perpetual Independent Financial Advice will ensure you have the following information before you complete your transaction where applicable, including:
- As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
- A lifetime mortgage will be secured against your home.
- A buy to let mortgage will be secured against your property.
- Some types of buy to let mortgages are not regulated by the Financial Conduct Authority.
Frequently Asked Services Questions
Essential facts on pension transfers, portfolio rebalancing, and mortgage advice.
A Section 32 plan (also known as a buyout bond) is an individual policy used to transfer accrued benefits from an employer’s occupational pension scheme upon leaving service. Perpetual IFA specialises in evaluating Section 32 plans, examining guaranteed minimum pensions (GMP), and advising whether consolidation into a modern personal pension or SIPP is advantageous.
We proactively monitor macroeconomic conditions and fund performance throughout the year. We invite our investment clients to formal annual review meetings—either face-to-face in London or via telephone—to rebalance asset allocations, evaluate returns, and ensure ongoing alignment with their risk tolerance and tax situation.
A high-street lender can only offer its own products, regardless of whether a rival bank provides lower rates or better flexibility. As a whole-of-market independent adviser, Perpetual IFA scans thousands of products across all UK lenders using specialized sourcing technology. If staying with your current lender is the best deal, we will recommend doing so.
Ready to Discuss Your Financial Requirements?
It would be our pleasure to assist and advise you. Book your free exploratory consultation today.