When it comes to your finances, taking time to seek expert advice is always a wise investment.

The better care you take of your money now, the better it will be able to take care of you in the future – and the good news is that there is never a bad time to start thinking about your finances.

At Watson Buckle Wealth Management, we offer you access to the wide-ranging knowledge and expertise of our consultants to look after all aspects of your financial life.

Because we look at the big picture when it comes to your finances – both business and personal – we are ideally placed to provide expert advice and identify solutions that are right for you, at every stage of your financial life.

We also understand that you want to feel completely confident in the quality of financial advice you receive.

We are independent financial advisors (IFA’s), closely associated with Watson Buckle Chartered Accountants, which is a member of the Institute of Chartered Accountants in England and Wales and of MGI Worldwide, a global network of accountancy firms, which undergoes regular quality reviews to maintain the highest standards.

If you would like to know more about how we can help you, please contact us.

Watson Buckle Wealth Management Limited is registered in England and Wales No: 06718582. Registered Office: York House, Cottingley Business Park, Bradford BD16 1PE.

Watson Buckle Wealth Management Limited is an Appointed Representative of Perspective (North East) Ltd, Northumbria House, 21-23 Brenkley Way, Blezard Business Park, Newcastle-Upon-Tyne, NE13 6DS which is authorised and regulated by the Financial Conduct Authority

Independent Financial Adviser

The way we work

The financial world is confusing. With so many products and options available, you may sometimes feel it is easier to do nothing than try to make sense of it all.

That is where we can help. We will take time to look at your individual circumstances, so we can understand where you are now and where you want to be in the future.

Then we will look at ways to help you get where you want to go, basing our financial advice on our in-depth analysis of your needs. No two people are the same, so you can be sure that our recommendations will be unique to you.

We are not interested in quick fixes. We seek to build a long-term relationship with you, so you can be sure we will always act in your best interests and that our advice will be informed, professional and impartial.

If you would like to know more about how we can help you, please contact us.

Wealth management services

We believe in personal service and are able to offer ongoing advice as your life and circumstances change.

Our independent financial advisors help our clients to review their options and opportunities, guiding them through the practical and tax implications of pensions, investments and other financial products.

‘The Financial Conduct Authority does not regulate taxation advice.’

Estate planning

Most of us want to know that when we are no longer around, we will be able to take care of the people we love by passing on the wealth we have worked so hard to accumulate.

The last thing you want is for the taxman to take any more of your assets than necessary but in organising your affairs in the most tax-efficient way, you also need to make sure that you take good care of your own financial needs in retirement and old age.

That is why more and more people are turning to people like us for expert help with estate planning, including inheritance tax planning.

Estate planning includes drawing up a well-drafted, tax-efficient will and taking advice on opportunities to minimise inheritance tax, including lifetime gifts.

Other estate planning solutions include whole of life insurance policies, which can help to offset significant inheritance tax bills in the future. Trusts are another useful tool for protecting assets to be handed on to future generations in a tax-efficient way.

Whatever the size of your estate, we can advise on opportunities to help you pass on your assets more effectively.

If you would like to know more about how we can help you, please contact us.

‘The Financial Conduct Authority does not regulate taxation and trust advice.’

Protection against risk

When you are thinking about your finances, you need to consider how best to protect yourself and your family against all the most serious risks that you face.

We will review your existing arrangements and help you decide on the right level of insurance and the appropriate types of cover, including life assurance, critical illness cover and payment protection cover, to meet mortgage repayments if you suffer an accident, sickness or unemployment or are unable to work.

If you are in business, we can also advise on protection policies, including cover against the death or illness of key staff or business owners, which could otherwise cause major difficulties.

If you would like to know more about how we can help you, please contact us.

Retirement planning and pensions

When it comes to retirement planning, it is never too early to start thinking about your financial security in later life.

Retirement planning is different for everybody, because no two people and their circumstances are the same.

We would all like to enjoy a comfortable lifestyle in retirement but the state pension alone can only provide the absolute basics. We can help with the complexities of pension planning and construct a plan for a sound financial future.

We will look at your current pension arrangements and what these are forecast to provide, to give you a full picture.

Then we will establish the income you would need to provide for your desired lifestyle, the kind of contributions you will need to make to give you that income and your options.

The good news is that pensions are more flexible than ever before, from simple individual pensions to more complex schemes such as income drawdown and self invested personal pensions (SIPPs).

We can also identify other saving and investment opportunities to supplement your retirement income. All our recommendations will be based on our knowledge of you, your circumstances and your attitude to risk.

Alongside your pensions planning, if you are in business we will help you to plan your exit strategy – whether you wish to pass on the business to the next generation, sell it as a going concern or wind it down – and make sure that the process is tax-efficient.

We will also help you to think about issues such as long-term care and medical insurance, to give you peace of mind in case of ill health. However we help you, we can work with you long-term to make sure that your portfolio keeps pace with your changing needs and advise on new opportunities.

If you would like to know more about how we can help you, please contact us.

‘The Financial Conduct Authority does not regulate taxation advice.’

Savings and investments

You work hard for your money, so you want it to work hard for you, to help you achieve your goals, both short-term and in the future. We will create an investment strategy designed to do just that

We start by assessing your attitude to risk. We will ask some simple questions to establish whether you are willing to take bigger risks with your money, to achieve potentially greater rewards, or whether you prefer a return that is likely to be lower, but with greater security.

By matching your investments with your attitude to risk, you can be sure that the products and funds chosen are right for you.

We aim to build a long-term relationship with you and can, if required, review your investment strategy on an ongoing basis, tailoring it to suit any changes in your circumstances.

If you would like to know more about how we can help you, please contact us.

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The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to
refer it to the Financial Ombudsman Service, which can be contacted as follows
The Financial Ombudsman Service
Exchange Tower, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9 123

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