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Independent Financial Advisers & Pension Specialists

Helping you retire in the best possible financial position for both yourself and your family.

How we help

Completely independent

FCA authorised and regulated

Transparent family firm

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Clear jargon-free advice

How we help

Personal / Business

Retirement Planning

If you feel overwhelmed at the prospect of planning your retirement savings, don’t worry. We are here to help.

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Investment Planning

We advise on a range of tax-efficient investments, creating the best-tailored plan for you and your family.

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Protection Planning

We help to safeguard your family’s financial position against the unexpected and protect the lifestyle you enjoy.

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Wealth Management

We are committed to providing an ongoing service. Regular reviews ensure your strategy remains aligned to you.
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Employee Pensions

Depending on the way your scheme is administered, as a business you can benefit from substantial savings.

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Business Protection

We provide support to help you mitigate risk and let you plan your business future with confidence.

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Not sure what you need?

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Vision is the ability to think about or plan the future with imagination or wisdom

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About us

With so many things to think about when planning for retirement, you may feel overwhelmed and unsure of where to start.

At Vision, our Independent Financial Advisers and Pension Specialists are here to help you plan for retirement, invest for the future, protect your family and their financial future, and secure your business finances.

Clear, jargon-free advice
A service tailored to you
A dedicated personal adviser on-hand
24/7 access to your own personal portfolio
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How we work

We pride ourselves on our personal, tailored and stress-free service.

Meet your adviser

Schedule a meeting with your Independent Financial Adviser. Your personal adviser will listen to your goals and aspirations to help you make the most of your income and ensure a comfortable retirement.

Plan

Your financial adviser will research and design a plan so that you can achieve your financial goals. Our advisers are professional and friendly, providing support and guidance with every step.

Relax

Once your plan is in place, you can relax knowing that your finances are taken care of. We’ll ensure that everything stays on track with regular reviews, so all you have to think about is living your best life today.

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Testimonials

 

Don

Vision Independent Financial Advisers explain things very clearly so that we are never in any doubt about our financial situation. I have recommended ‘Vision’ to many of my colleagues who have taken up consultations and have been very pleased with the outcomes.

Customer

Since learning of a pension i had long forgotten about Vision Advisors Limited has looked after me with help and email`s regarding my transfer and what stage i am at, Nothing is too much trouble, a brilliant team to go with.

Steven & Jenny

Our financial adviser talked us through all our options and gave us time to digest it all and come to our own decision. The whole process was made very easy, and he did all of the research. We will definitely continue to use Vision IFAs in the future.

Phil & Brenda

Our financial adviser provided us with a complete planning package after a one to one conversation which was friendly, knowledgeable and professional. Planning with Vision allayed our worries and fears about the future and has been an extremely positive experience.

Dale B

From the first enquiry, I have been constantly kept in the loop during the process through to completion. A friendly and pragmatic approach that was effective and effortless. David was able to handle all of my questions with ease quickly. I would highly recommend getting in touch if you were exploring business protection.

Joe

Great advice from David and team on our pensions savings and all financial advice. David is a pleasure to deal with always available for advice very professional and reliable.

David C

We are confident that with David's help our financial potential will be maximised to help us reach our retirement goals. David is patient, clearly understands our expectations and is managing our retirement plans. Therefore, I would not hesitate to recommend David to family, friends and business colleagues for their financial planning too.

Carl H

David spent time getting to know the charity and understanding the nature of our work. This meant he was able to recommend a range of services that were the right fit for us at LS-TEN. David made the process of switching to a Salary Sacrifice Pension scheme straight forward. He managed the initial relationship with the provider and met with staff collectively and individually to discuss the changes.

Online Pension and Investments Tracker 

Using the latest award-winning technology, we can provide you with your very own personal financial portal, allowing you to access your individual portfolio 24/7 via your computer, tablet or mobile phone.

You will also have direct access to your financial adviser through our secure messaging service.

FAQs

Get help with the most common questions our team of independent financial advisers get asked.

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What services do you offer?
At Vision Independent Financial Advisors we can help you with a range of tailored financial planning services which include;

  • Pension advice and retirement planning
  • Investment and wealth management
  • Personal and family protection plans
  • Access to the latest award-winning technology and investment platform

Our Business Services include financial protection and business pension reviews. We make sure both employers and employees are making the most of the salary sacrifice and tax benefits that are available.

Are you independent?

Yes, we are. You will receive specialist financial advice from your independent financial adviser with access to an unrestricted range of products and firms from across the whole of the available market.

Speaking to an independent adviser means that you will receive tailored advice to suit your exact circumstances. You will get to build a relationship with one adviser at Vision for all your financial planning needs.

Do you have many clients that are in a similar position to me?
Vision IFAs have a wealth of experience helping people understand their options for retirement. Many of our clients are members of Teachers’ Pension Scheme, Local Government Pension Scheme, and have AVCs and personal pensions. If you want to retire early, take retirement benefits, or simply understand your options, we can help.

We help SMEs adopt strategies to improve and protect their business finances. If you are looking to reduce your corporation tax bill, or need help with setting up a compliant auto-enrolment pension scheme, we will be able to advise you. We can search the market to find the best key person and shareholder protection policies to suit your business.

We understand that your position is individual to you, so book a free initial consultation with a financial adviser so they can answer your questions.

How much do financial advisers charge?
The fees that financial advisers charge do vary and will depend on the service and products they provide.

Always choose to speak to an Independent Financial Adviser, then you will be assured that the advice and products you are paying a fee for, are selected from the whole of the market and will be tailored to your individual circumstances.

At Vision IFAs, we charge an initial fee, that can be paid from any contract we agree with you or you can pay from your own funds. There is also the option to receive an ongoing service, paid for separately, for us to look after your interests and portfolio. All remuneration will be clearly explained before we start working together.

We have a fair and clear charging policy which is below the industry average and the maximum charge is 3% with ongoing fees of 0.75%. Vision will be paid a fee or commission depending on whether we look after your investment or help you with a protection product. 

Please note that our ongoing advice fee is optional and can be cancelled at any time.

Can I afford to retire?
When you can retire and with how much will depend on your circumstances and your current plan for retirement. Your financial adviser will help you to think about how much you need during retirement, when you want to retire and how much you are going to want to spend when the time comes.

Will you move home? What car do you want to drive?

How many holidays will you want and where to?

Do you want to help pay school fees for your grandchildren?

Affording the retirement of your dreams comes down to how much you have in your pension pots, what other assets you have and the preparations you have made for the future.

Retirement is bespoke to you, your lifestyle and your family circumstances. There are different factors to take into consideration before you retire. So you don’t worry about retiring it is helpful to speak to a financial adviser so you can understand where you are now, compared to where you want to be financially at retirement age. Then you will know if you can afford to comfortably retire if you don’t make any changes to your current retirement plan.

It is never too late to start planning for retirement. Still, the sooner you begin putting enough money aside for later in life, the more likely you are to enjoy being retired.

How can I pay less tax?
You can legally pay less tax by maximising your existing tax reliefs such as pension and savings allowances. You can put more money into your pension monthly, which means you pay less tax. Also, invest in tax-efficient investments such as ISA’s.

Self-employed or a business owner? Your Financial Advisor can help structure your business and draw money from your pension in a way that makes the most of your entitlement.

Sit down and discuss your current situation with an independent financial adviser here at Vision who can make sure you aren’t missing an opportunity to pay less tax.

Do I need a financial adviser?
A financial adviser can help you make the best use of your income, from saving thousands in tax deductions to getting the best return on your pension pot or investment. It would be best if you chose an independent adviser so they can search the whole of the available market to find the best products for you and your situation.

The right adviser will give you confidence and peace of mind that your financial future is taken care of. Together you will set out a plan to achieve a financial goal, and your adviser will become a trusted guide to ensure you remain on track to reach that goal.

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