Services for individuals
We have a range of financial services available for individuals
Pool House Group provide bespoke financial planning that is tailored to your individual needs. We take our clients through the full financial planning journey from pension/savings accumulation all the way through to retirement.
We use cash flow software that will demonstrate how your objectives and future goals can come to life and how these will work for you in the future. We pride ourself in a personal approach and we take the time to get to know our clients establishing a long term relationship with you.
Investments
Our advisers will guide you through the complex world of investing and will work with you to design a bespoke portfolio that fits your objectives as well as your attitude to risk. We understand that risk changes over time and therefore these portfolios are regularly monitored and are adapted for you as and when your circumstances change.
As well as offering bespoke solutions Pool House have a unique Investment Partnership with AJ Bell PLC which means our clients have access to carefully designed risk rated portfolios which are managed on a Discretionary basis and are monitored daily to aim for the highest levels of long term growth and to navigate through more volatile markets. These portfolios are only available to Pool House clients and are not available on the open market.
Pensions
Pool House provide you with advice throughout the pension journey, whether this is accumulating wealth in the pension planning stage to drawing down your income once you reach retirement.
Pensions can be complex and we aim to make the journey as simple as possible. We work closely with you to establish what your retirement goals are and we implement a plan to make these a reality – this is then reviewed on at least an annual basis to ensure that your plan remains on track or to adapt the strategy should your circumstances/goals change in the future. We use cash flow and income projecting software that will demonstrate what your savings could look like in retirement, what income can be produced and how long incomes can be maintained for and to establish any shortfalls and how this can be rectified or planned for.
Mortgages
Whether you are a;
- First Time Buyer
- Home Mover
- Wish to re-mortgage your existing property
- Port your existing mortgage
- Purchasing a second home or buy to let property
We can help and advise you through the whole process, giving you independent advice, we research the whole of the market and all products in order to obtain the most suitable mortgage to fit your needs and requirements.
Protection
As an Independent Financial Advisory Firm, our advisers will source the whole market to offer you the best solution which is specific to your individual circumstances.
Our advisers will discuss your requirements with you to help you choose what is right for you.
Protection for your Family
Term assurance
Providing you with reassurance, that should something happen to you, your family have some financial support. Life Assurance will pay out a lump sum on your death which can help your family deal with any unforeseen expenses. Our advisers will work with you to establish the best product for your needs.
Critical Illness Protection
If you were diagnosed with a Critical Illness, what impact would this have on you are your family? Having Critical Illness cover in place will pay out a lump sum if you are diagnosed with a specified critical illness such as a heart attack or cancer.
Income Protection
If you were unable to work due to long term illness and were unable to pay the bills, income protection would pay you a percentage of your pre-tax income, usually 85%, for a specified time.
Mortgage Protection
A mortgage is one of the largest financial commitments that the majority of people make but how will you protect this if something were to happen to you or your income? Pool House can help you assess your requirements and put in place the relevant cover for your needs.
