Looking for the right Independent Financial Adviser can be a complicated and daunting process. Offering a different, yet professional service is essential in today's cluttered market. We strongly believe that we can offer the right service for you or your company, offering a wide range of different, yet effective solutions:

- An ethical way of dealing with our clients;
- A truly unique advisory process;
- Advanced servicing for all of our clients;
- Using the web to its full potential, all of our clients get an online view of their financial affairs and a chance to communicate with their own email service.

We believe that websites can't advise people on their financial futures, nor should they. When dealing with people's finances a personal touch is necessary, giving the chance to both identify and evaluate your own personal needs.

Personal Details
I was born in Poole in 1966 and have lived in Bournemouth all my life, now living in Queens Park. I am married to Victoria and have three sons called Cameron, Lewis and Taylor.

Qualifications
I was educated at Portchester School in Bournemouth where I obtained my qualifications. I have passed the Chartered Insurance Institute Financial Planning Certificate papers 1, 2 and 3. I have passed and obtained the Mortgage Advice Qualification. I have also passed the industry paper for Equity Release Mortgages.

I also attend several courses throughout the year to keep updated on present day financial issues.

Industry Experience
I joined the Financial Services Industry in October 1994 as a tied adviser and moved to Positive Solutions as an IFA in May 2002.

My Practice
I service over 600 clients with funds under management of £5 million plus sums assured over £14 million. My wife Victoria is my personal assistant who helps with the day to day running of the practice.

The way I have built up my practice over the years, the foundation of which is based on professional financial advice and service, has created a rapport between clients and myself encouraging referrals to family and friends.

Interests
I enjoy playing sports e.g. playing Sunday league football for a local side, keeping fit and playing golf when time permits. I also enjoy going out for meals.

Our Service
Financial Planning is a complex subject, setting strategies, deciphering the jargon, knowing how different products work, how products interact with each other and the long term implications such as taxation and potential changes in legislation, is a full time job and is exactly why there are full time advisers such as ourselves.

Our Aim
To provide strategic financial advice. Ours is a personalised service that adopts a holistic approach by focusing on all aspects of your finances. We seek to establish long term client relationships and to provide a straight forward plain English financial planning service.

We are focused toward long term client relationships as we believe that this is the most effective way for clients to achieve their financial goals.

Why choose an Independent Adviser?
Being independent means that we are not tied to any one Company (or Mortgage Lender) and therefore the advice we provide is totally unbiased. Only after discussing your objectives will we research the entire UK market place on your behalf.

These are the areas of your financial planning that I will be able to help you with:

Pensions - Planning your retirement and the level of income required.
- New or existing pension plan
- Retirement options such as annuities
- Stakeholder pensions
- Executive pension plans
- Self invested personal pensions
- Small self administered schemes

Investments - Making best use of your capital and surplus income.
- Expert investment advice
- Investment bonds
- Unit trusts, individual savings accounts (ISA) and OEICs
- Pep transfers
- Inheritance and capital gains tax

Protection -Ensuring you have appropriate cover for you and your family.
- Life assurance
- Critical illness protection
- Income protection insurance

Property - Advising on mortgages and repayment strategies
- Guidance on the best mortgage deal for you
- Buy to let mortgages
- Equity release schemes

We can operate on a fee only basis or commission. This is always the clients decision based on an initial discussion.

The Personal Finance Society Cert PFS

I have also taken and passed the equity release exam and the Mortgage Advice Qualification Exam.

Positive Solutions is not responsible for advice on taxation matters. The Financial Services Authority does not regulate advice on taxation matters
Your home may be repossessed if you do not keep up the repayments on your mortgage or any other loan secured on it
Equity Release - Check that this mortgage suits your needs if you plan to sell your home or for your family to inherit it

Positive Solutions (Financial Services) Ltd. is authorised and regulated by
the Financial Services Authority.Registered as a Limited Company In England And Wales No. 3276760.