Financial Clarity
Financial Planning
It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security, for ourselves and our family. Polestar Financial Planning can help you map out the best routes for you to take.
Savings & Investments
In the present economic climate, we have to work that bit harder to make the most of our savings and investments to achieve the returns we would like.
The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.
Retirement Planning
We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Protecting Your Loved Ones
The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Polestar Financial Planning will be happy to make suggestions that will give your loved ones protection – and you peace of mind.
Inheritance Tax Planning
Inheritance has become a hot topic amongst politicians in recent years. It is one that we ignore at our peril. Without the right inheritance tax provisions the Government could benefit more from your life’s work rather than your family.
Estate planning is not regulated by the Financial Conduct Authority.
Mortgage Solutions
Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek independent advice so you are not drawn into a deal that means more to the lender than it does to you.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. There may be a charge for mortgage arrangement of up to 2% of the loan amount. We will also receive commission from the lender.
Equity Release
A lot of your wealth can be tied up in your home. Equity release is a way of unlocking this wealth, but is an area that should only be considered with the advice of someone who has no strings attached.
Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration. We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
Corporate Planning
When running a business on a day-to-day basis, often you haven’t the time to really look too far ahead. We can help business people look at their corporate financial planning. We have the time and expertise to review financial areas that could help protect the company and benefit your business in the long term. Why have an informal chat with one of our advisers?
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our Approach
The Wealth Navigation System
Your support and work is fee based which means you are in control of the advice process and no work is done until those fees are agreed. We are able to provide tailored financial solutions by considering all the products relevant to you.
As you would expect any fee is agreed prior to each stage. You, as a current client or prospective client, can exit at any stage ensuring you maintain control of the whole process.
Key Staff
Our advisers have an average of more than 20 years’ experience within the financial services industry and we advise a diverse range of private and corporate clients.
Mark Ellis DipFA MLIBF
Financial Planning AdviserMark became a financial adviser back in 1993 after owning and running a number of retail businesses. Mark worked as an employed adviser for Friends Provident for 11 years before starting his own practice which merged with Polestar in 2019. Mark specialises now mainly in advising on pensions and investments. Mark is married with 3 […]
Rob Yeates DipPFS
Financial Planning AdviserRob has worked in Financial Services since leaving school in 1968, with large corporate companies such as Barclays Bank and Scottish Amicable (which has since been acquired by Prudential). He became an Independent Financial Adviser in 1999, working mainly in the Employee Benefits arena, assisting SME’s in structuring and managing their Employee benefits offerings. During […]
Hywel Rees DipFA
Financial Planning AdviserHywel has worked in Financial Services since 1987, within large corporate companies such as Prudential, Eagle Star, John Charcol and Scottish Widows. During his time at Scottish Widows he became the regional chairman of the Life Insurance Association for Swindon. Hywel is married with two sons and enjoys coaching rugby, music and cooking. Hywel joined […]
Nicky Borman
Practice ManagerFormerly a Personal Assistant working for the Economist at Nationwide Building Society for 13 years, then financial administration at Abbey Life, and Zurich for 2 years. Nicky holds the CII Financial Planning certificates level 1 and 2. Nicky was also the winner of the Swindon Business Womans Group Award in 2003.
Testimonials
What our clients are saying about us.
Go the extra mile to help
Nicky and the team are on the ball and will go the extra mile to help. It is a pleasure to do business with people who understand your needs and respond quickly and in a pleasant manner.
Extremely professional
Polestar are extremely professional through their speed and style of communication and product knowledge.
Understood our needs
Our Polestar adviser understood our needs. He really listened and heard what we asked. Polestar always had a reply quickly even if it was to tell me how long it would take for action.
Good communication and response to queries
Ian, over quite a number of years now, has coordinated my pension plans and finalised a reasonable result. Polestar provide good communication and response to queries.
Adviser understands our needs well
The Polestar adviser understands our needs well. He has worked with us over a lengthy period which initially involved clearing up a confusion of financial matters and over recent years supporting and guiding us to a planned approach. Polestar give prompt responses to questions and an organised approach to keeping clients up to date on financial matters.
Helpful bulletins
I’m happy with the advice I’ve been given. Their regular bulletins are very helpful.
