We specialise in turning your thoughts into a financial plan.
There is always more than one answer. We help you choose.
Our approach is common sense. We look at the facts and come up with a solution.
Nothing is hidden. The cost of managing your money is clear and transparent.
We find we give most value to business owners or affluent people who have recognised they’ve delayed making some financial decisions for long enough and now want to crack on…
Read more about us in our brochure and come and see what you think.
What we do is… Add value…
financial planning
investment advice
and what you need
We are an independently owned partnership. Our aim is to be open and fair. We are a Chartered Firm, our partners have a sense of pride in what they do, a confidence in the way the Partnership does business and share in the profits.
We apply the same principles to you. Our relationship needs to be mutually beneficial – our success is linked to yours. We respect how hard you have worked to make money. We take action to free you from worry and put you in control of your financial situation.
What we do is… Add value…
financial planning
investment advice
and what you need
We are an independently owned partnership. Our aim is to be open and fair. We are a Chartered Firm, our partners have a sense of pride in what they do, a confidence in the way the Partnership does business and share in the profits.
We apply the same principles to you. Our relationship needs to be mutually beneficial – our success is linked to yours. We respect how hard you have worked to make money. We take action to free you from worry and put you in control of your financial situation.
Request our brochure
Request our brochure
Please send me a brochure
Please send me a brochure
Life Journey
David considered himself very lucky. Yes, there had been difficult times over the years; when he’d been made redundant & when his Dad died. But, overall, life was good! He had his own profitable business. His wife, Lucy, was still a Partner in a law firm. His children had families of their own & good careers: Annie in marketing; Harry in the family business. Lucy & he both had their health, she loved her golf, he his sailing. But David had a growing sense of unease over his financial future. Sure, he’d made some shrewd decisions over the years: they had money invested, his business property in his SIPP and income from a few rental properties. But he was so busy with his business, the grandchildren, holidays – life! The financial world kept changing, news and information constant but confusing. He realised he was less confident in his own answers… Could he afford to retire? Could he extract his money from the business & still pass it on to Harry? Perhaps give a share to Annie? He thought Lucy had a pretty good work pension but had to admit he was not sure. And what to do with the money gifted from Mum? Could he spend it or perhaps give it to Annie & Harry? If he did, would he run out? Would he be able to still afford the fees if Mum needed care? And what about Inheritance Tax? Clearly, David thought, I am just at a time in my life when one starts to worry! He needed someone who would look at his whole life & really help him plan… aspire
aspire
aspire
Owning a business property in a pension
There are some great benefits to owning your business property within your SIPP; any growth of property value within the SIPP is free from CGT, if the business is leasing the property the rental your business pays is an allowable expense, rental income is tax free when its reinvested in the SIPP, there is no IHT when you die.
But it can be stressful & complicated; Commercial property can take longer to sell, vacant letting periods would mean you incur costs whilst no rental income is being received, and your SIPP could incur costs or fall in value if your tenant goes bust or stops paying rent. Ultimately, these factors need careful consideration and at Aspire we have plenty of experience to help establish whether that’s a good choice for you.
Owning a business property in a pension
There are some great benefits to owning your business property within your SIPP; any growth of property value within the SIPP is free from CGT, if the business is leasing the property the rental your business pays is an allowable expense, rental income is tax free when its reinvested in the SIPP, there is no IHT when you die.
But it can be stressful & complicated; Commercial property can take longer to sell, vacant letting periods would mean you incur costs whilst no rental income is being received, and your SIPP could incur costs or fall in value if your tenant goes bust or stops paying rent. Ultimately, these factors need careful consideration and at Aspire we have plenty of experience to help establish whether that’s a good choice for you.
Care
or in a care home (residential or nursing). State benefits are means-tested and different rules apply to different kinds of assets. Long term care insurance could help you pay for a better quality of care than your Local Authority can provide but you need to be careful that you don’t lose State benefits you would have been eligible for. These are uncomfortable subjects for some people, but we are experienced and professional and talking about the issues early can provide peace of mind and allow you to live your life now with financial confidence.
Care
When a relative dies
When someone dies, it’s important to sort out their tax and National Insurance as soon as possible – there may be tax to pay or a rebate due. You may also need help with death registration, valuations for probate, unravelling assets, investing legacy received or claiming pension and insurance benefits, all of which we can help you with.
If inheritance tax (IHT) is a concern, there are steps you can take to help avoid it, such as making gifts to children whilst alive or taking out an insurance policy. Having a Will that reflects your wishes is always recommended but even after death, if there is agreement between the beneficiaries, a Will could be varied to have a significant positive effect.
When a relative dies
When someone dies, it’s important to sort out their tax and National Insurance as soon as possible – there may be tax to pay or a rebate due. You may also need help with death registration, valuations for probate, unravelling assets, investing legacy received or claiming pension and insurance benefits, all of which we can help you with.
If inheritance tax (IHT) is a concern, there are steps you can take to help avoid it, such as making gifts to children whilst alive or taking out an insurance policy. Having a Will that reflects your wishes is always recommended but even after death, if there is agreement between the beneficiaries, a Will could be varied to have a significant positive effect.
Having a family
Having a family
Your financial future
Life can be a dream but it can also be cruel, so when Benjamin Franklin wrote “in this world nothing can be said to be certain, except death and taxes” most people don’t disagree.
Whether we like it or not, tax has an extremely important function in our lives and is really important for society and the economy. Whilst most of us are happy to do our bit, tax will undoubtedly be one of your largest lifetime expenses.
Proactive planning for your financial future, alongside maximising your tax allowances and use of tax efficient products, can help you expect the unexpected and make the most out of your capital.
Your financial future
Life can be a dream but it can also be cruel, so when Benjamin Franklin wrote “in this world nothing can be said to be certain, except death and taxes” most people don’t disagree.
Whether we like it or not, tax has an extremely important function in our lives and is really important for society and the economy. Whilst most of us are happy to do our bit, tax will undoubtedly be one of your largest lifetime expenses.
Proactive planning for your financial future, alongside maximising your tax allowances and use of tax efficient products, can help you expect the unexpected and make the most out of your capital.
Making and receiving gifts
Making an outright gift in your lifetime can help your family avoid paying inheritance tax (IHT) but you need to live at least 7 years for it to really work. People are very often unsure how much they can safely afford to give away whilst continuing to fund their desired lifestyle and have enough saved for a rainy day. As a consequence many leave gifting too late. We can show you how much your current lifestyle costs, factor in some likely events (with costs) as well as giving you some alternatives – to allow you to make an informed choice.
Most of us could instantly think of numerous ways to use a gift of money. But receiving a gift can be somewhat a ‘double-edged sword’. Which one of your choices is the best financially? Which one gives you the most security, or gets your closer to your dream? We can help model the scenarios in your head to give you a greater sense of control.
Making and receiving gifts
Making an outright gift in your lifetime can help your family avoid paying inheritance tax (IHT) but you need to live at least 7 years for it to really work. People are very often unsure how much they can safely afford to give away whilst continuing to fund their desired lifestyle and have enough saved for a rainy day. As a consequence many leave gifting too late. We can show you how much your current lifestyle costs, factor in some likely events (with costs) as well as giving you some alternatives – to allow you to make an informed choice.
Most of us could instantly think of numerous ways to use a gift of money. But receiving a gift can be somewhat a ‘double-edged sword’. Which one of your choices is the best financially? Which one gives you the most security, or gets your closer to your dream? We can help model the scenarios in your head to give you a greater sense of control.
Investing as a grandparent
A grandparent could contribute into a Junior ISA, buy premium bonds in the name of the grandchild or help fund education (a private day school now costs an average of £17,000 per year in England*). But hang on, what’s in it for the grandparent?
As well as providing the grandchild with a good start in life, regular gifts from disposable income and some smaller capital gifts are immediately free from IHT and larger capital gifts are free from IHT after 7 years. Careful planning can therefore help both generations and preserve the family wealth.
*Independent Schools Census 04/2018
Investing as a grandparent
A grandparent could contribute into a Junior ISA, buy premium bonds in the name of the grandchild or help fund education (a private day school now costs an average of £17,000 per year in England*). But hang on, what’s in it for the grandparent?
As well as providing the grandchild with a good start in life, regular gifts from disposable income and some smaller capital gifts are immediately free from IHT and larger capital gifts are free from IHT after 7 years. Careful planning can therefore help both generations and preserve the family wealth.
*Independent Schools Census 04/2018
Health
No insurance policy can protect you from becoming ill but it can make it significantly easier to deal with the consequences. You can insure your income if you are still working (called income protection), insure yourself on specific illness (called critical illness cover) and use private medical insurance to help fund treatment.
Aspire can help you understand how poor health might affect your cash-flow and suggest a suitable contingency plan to help ease the burden.
Health
No insurance policy can protect you from becoming ill but it can make it significantly easier to deal with the consequences. You can insure your income if you are still working (called income protection), insure yourself on specific illness (called critical illness cover) and use private medical insurance to help fund treatment.
Aspire can help you understand how poor health might affect your cash-flow and suggest a suitable contingency plan to help ease the burden.
Inheritance tax
Inheritance tax
Have money invested
Even if you don’t know quite what you are saving for, it’s always a good plan to have some emergency money tucked away. If you can afford to save more than you might need for emergencies, you could invest the excess. Parents beware – saving for a child’s future is not a new concept but the bank of Mum and Dad is now an accepted term amongst financial institutions! That’s because the big expenses in a young person’s life – university, first home – are increasingly out of reach without assistance. In England, without assistance a student will leave collage with an average debt of £50,000. The average purchase price* for a first-time buyer is now £209,000, with about £33,000 being required to as a deposit.
*Halifax 08/2016
It can be beneficial to regularly invest over time to build up a reserve. For example, if you save £500 a month for 10 years and it earned 2.5% interest*, you would have over £68,000. We encourage the use of tax efficient savings such as into an Individual Savings Account (ISA) which is free of income and capital gains tax.
*based on compound interest, capitalised on an annual basis, does not take into account taxation
Have money invested
Even if you don’t know quite what you are saving for, it’s always a good plan to have some emergency money tucked away. If you can afford to save more than you might need for emergencies, you could invest the excess. Parents beware – saving for a child’s future is not a new concept but the bank of Mum and Dad is now an accepted term amongst financial institutions! That’s because the big expenses in a young person’s life – university, first home – are increasingly out of reach without assistance. In England, without assistance a student will leave collage with an average debt of £50,000. The average purchase price* for a first-time buyer is now £209,000, with about £33,000 being required to as a deposit.
*Halifax 08/2016
It can be beneficial to regularly invest over time to build up a reserve. For example, if you save £500 a month for 10 years and it earned 2.5% interest*, you would have over £68,000. We encourage the use of tax efficient savings such as into an Individual Savings Account (ISA) which is free of income and capital gains tax.
*based on compound interest, capitalised on an annual basis, does not take into account taxation
Owning your own company
Owning a business can affect your insurance, pension and tax situation. You’ll need to constantly review your business plan to remain profitable as well as working to align your business and personal goals. The Partners of Aspire have bought, run and sold businesses and, as such, have a unique breadth of knowledge regarding the inevitable pitfalls and potential rewards. Aspire can advise you on how to avoid costly surprises, how to protect your business and the key personnel within it alongside helping you to plan a future exit strategy.
Owning your own company
Owning a business can affect your insurance, pension and tax situation. You’ll need to constantly review your business plan to remain profitable as well as working to align your business and personal goals. The Partners of Aspire have bought, run and sold businesses and, as such, have a unique breadth of knowledge regarding the inevitable pitfalls and potential rewards. Aspire can advise you on how to avoid costly surprises, how to protect your business and the key personnel within it alongside helping you to plan a future exit strategy.
Becoming a Partner in a business
Becoming a partner in a business can be done several ways. Equity partners contribute capital to the business and share the profits and losses. Salaried partners receive a salary rather than a share of the profits but are unlikely to contribute capital. Sleeping partners take no active role in running the business but may contribute capital and receive a share of the profits. A change in your employment status may bring a change in your tax situation but also could change other things too; your responsibilities within the business, your time off, your benefits and your shareholding. Perhaps you’ll need to raise capital or take out insurance to cover your income, your incapacity or your death.
Having someone to discuss the options with could help you get a better outcome.
Becoming a Partner in a business
Becoming a partner in a business can be done several ways. Equity partners contribute capital to the business and share the profits and losses. Salaried partners receive a salary rather than a share of the profits but are unlikely to contribute capital. Sleeping partners take no active role in running the business but may contribute capital and receive a share of the profits. A change in your employment status may bring a change in your tax situation but also could change other things too; your responsibilities within the business, your time off, your benefits and your shareholding. Perhaps you’ll need to raise capital or take out insurance to cover your income, your incapacity or your death.
Having someone to discuss the options with could help you get a better outcome.
Redundancy
Redundancy
Rental properties
Buy to let mortgages have enabled more people to become private landlords by owning a rental property. Owning an asset which is increasing in value and provides you with an income from the rent is a popular concept. But there are costs and responsibilities that come with being a landlord; time consuming and awkward tenants, income tax returns for the rental income, capital gains tax when you sell. The government have also recently changed how income from a rental property is taxed and how stamp duty is charged, so it is important to know the facts before you embark on a career as a landlord. We are happy to discuss the pros and cons and point out ways to possibly reduce the tax you pay.
Rental properties
Buy to let mortgages have enabled more people to become private landlords by owning a rental property. Owning an asset which is increasing in value and provides you with an income from the rent is a popular concept. But there are costs and responsibilities that come with being a landlord; time consuming and awkward tenants, income tax returns for the rental income, capital gains tax when you sell. The government have also recently changed how income from a rental property is taxed and how stamp duty is charged, so it is important to know the facts before you embark on a career as a landlord. We are happy to discuss the pros and cons and point out ways to possibly reduce the tax you pay.
Can you afford to retire?
How much is enough? When can you allow yourself to slow down? Do you need to increase your pension contributions to reach your objective income? Should you use a self-invested pension (SIPP) to buy commercial property or invest in a buy to let?
We use our smart cash-flow modelling software to help you see how later life might look, so you can make an informed decision. We can model a retirement income, talk through the impact of the recent pension reforms, look at any company pension options and gauge how long invested capital might last in different scenarios.
How, and when, you take a retirement income can make a big difference to your future lifestyle and appreciating the options you have can influence your financial choices.
Can you afford to retire?
How much is enough? When can you allow yourself to slow down? Do you need to increase your pension contributions to reach your objective income? Should you use a self-invested pension (SIPP) to buy commercial property or invest in a buy to let?
We use our smart cash-flow modelling software to help you see how later life might look, so you can make an informed decision. We can model a retirement income, talk through the impact of the recent pension reforms, look at any company pension options and gauge how long invested capital might last in different scenarios.
How, and when, you take a retirement income can make a big difference to your future lifestyle and appreciating the options you have can influence your financial choices.
Will I run out of money?
How much is ‘enough’? When can I retire? What income will I need each year? Can I afford to gift a lump sum? Should I purchase a buy-to-let? Shall I buy my dream holiday home?
Whenever you start to consider your financial situation, it can quickly turn into a series of questions. No doubt you will have more than one future aspiration and working out which is achievable can be tough.
Wouldn’t it be nice to have a sense of what each path in life’s financial maze might look like? We use our smart cash-flow modelling software to do just that! Naturally, the models we build are based on assumptions and are in no way guaranteed, but they could really help you decide the best route forward.
Will I run out of money?
How much is ‘enough’? When can I retire? What income will I need each year? Can I afford to gift a lump sum? Should I purchase a buy-to-let? Shall I buy my dream holiday home?
Whenever you start to consider your financial situation, it can quickly turn into a series of questions. No doubt you will have more than one future aspiration and working out which is achievable can be tough.
Wouldn’t it be nice to have a sense of what each path in life’s financial maze might look like? We use our smart cash-flow modelling software to do just that! Naturally, the models we build are based on assumptions and are in no way guaranteed, but they could really help you decide the best route forward.
Self Invested Personal Pension
(SIPP)
Self Invested Personal Pension
(SIPP)
Paying for care
There is no easy way to say this – care is expensive. The average annual cost of residential care in the south west of England is £655/week (£34,060/year). This increases to £927/week (£48,100/annum) for private nursing care*. Costs vary between homes and across the country. The age people need to go into a care home varies considerably, with many people now choosing to fund private care in their own home for longer. For older people entering care, the average length of stay is only 2- 4 years.
Although working out future care needs may feel like an impossible task; armed with some assumptions and a frank chat about your health and preferences, we can help you work through the options.
*LaingBuisson Care of Elderly People UK Market Report 05/17 via Which.
Paying for care
There is no easy way to say this – care is expensive. The average annual cost of residential care in the south west of England is £655/week (£34,060/year). This increases to £927/week (£48,100/annum) for private nursing care*. Costs vary between homes and across the country. The age people need to go into a care home varies considerably, with many people now choosing to fund private care in their own home for longer. For older people entering care, the average length of stay is only 2- 4 years.
Although working out future care needs may feel like an impossible task; armed with some assumptions and a frank chat about your health and preferences, we can help you work through the options.
*LaingBuisson Care of Elderly People UK Market Report 05/17 via Which.
Workplace pension
Although you don’t have to join a workplace pension scheme, it’s usually a good idea to do so, because your employer may also pay into it and you often get other benefits. The government has made changes that mean all employers will have to set up a pension, opt their employees into it and pay contributions in the future. In the past employers pension schemes have tended to be more generous than today, so it is worth being informed about what’s on offer. We can help you check what you have and what your current options are.
Workplace pension
Although you don’t have to join a workplace pension scheme, it’s usually a good idea to do so, because your employer may also pay into it and you often get other benefits. The government has made changes that mean all employers will have to set up a pension, opt their employees into it and pay contributions in the future. In the past employers pension schemes have tended to be more generous than today, so it is worth being informed about what’s on offer. We can help you check what you have and what your current options are.
Worry
It is pretty normal to feel an increased sense of worry as you get older. Things you shrugged off in earlier years can seem more significant. Busy lives can lead to a rollercoaster of financial decisions to the point where some of us freeze completely and make no plans at all! If you own a business, aligning your business and personal goals is a key element to any financial plan but one that can get pushed to the bottom of the ‘to do’ list.However, there are actions you can take to regain a sense of control. By looking at the whole financial picture you can ‘get your ducks in a row’ and by working with a trusted adviser, you stay on track towards your objectives.
Worry
It is pretty normal to feel an increased sense of worry as you get older. Things you shrugged off in earlier years can seem more significant. Busy lives can lead to a rollercoaster of financial decisions to the point where some of us freeze completely and make no plans at all! If you own a business, aligning your business and personal goals is a key element to any financial plan but one that can get pushed to the bottom of the ‘to do’ list.However, there are actions you can take to regain a sense of control. By looking at the whole financial picture you can ‘get your ducks in a row’ and by working with a trusted adviser, you stay on track towards your objectives.
Steve Pine CFP™
Steve Pine is a founding Partner of Aspire. He is a Certified and Chartered Financial Planner whose passion is preserving his client’s wealth now and for the next generation.Steve has a great eye for detail and over 27 years of technical experience in advanced pension work. His emphasis on long term objective based financial planning in preference to short term fads mean his clients have clarity on how their hard-earned cash can best work for them and their loved ones.
“I believe financial planners should be well qualified, well informed and transparent in their offering to clients and its clear our regulator, the FCA, feel the same way.”
Steve’s advice provides considerable peace of mind to the Attorneys and Deputies with whom he works. He also designs Investment Policy Statements for both professional and nonprofessional trustees.
“Like many of my clients I have a mortgage, second home and school fees to pay. The practical application of my technical knowledge has been enhanced by my own financial decisions which include both buying and selling a business, investing money in markets, owning a commercial property in a SIPP and purchasing buy to lets. All of which helps me understand my clients’ financial dilemmas.”
Steve is a Bristol Rugby supporter, has a passion for art, live gigs and running first thing in the morning with his dog.
Steve Pine CFP™
Steve Pine is a founding Partner of Aspire. He is a Certified and Chartered Financial Planner whose passion is preserving his client’s wealth now and for the next generation.Steve has a great eye for detail and over 27 years of technical experience in advanced pension work. His emphasis on long term objective based financial planning in preference to short term fads mean his clients have clarity on how their hard-earned cash can best work for them and their loved ones.
“I believe financial planners should be well qualified, well informed and transparent in their offering to clients and its clear our regulator, the FCA, feel the same way.”
Steve’s advice provides considerable peace of mind to the Attorneys and Deputies with whom he works. He also designs Investment Policy Statements for both professional and nonprofessional trustees.
“Like many of my clients I have a mortgage, second home and school fees to pay. The practical application of my technical knowledge has been enhanced by my own financial decisions which include both buying and selling a business, investing money in markets, owning a commercial property in a SIPP and purchasing buy to lets. All of which helps me understand my clients’ financial dilemmas.”
Steve is a Bristol Rugby supporter, has a passion for art, live gigs and running first thing in the morning with his dog.
Ian Larthe de Langladure Dip PFS
Ian Larthe de Langladure is a founding Partner of Aspire. He is a financial planner who has a desire to use his knowledge and experience to enable clients to take advantage of the opportunities they come across. Ian creates financial plans for his clients as an effective way of bringing their business and personal goals together to try and obtain what they really want out of life.
“I want people to feel that they are dealing with a firm that has their interests at the heart to help them plan to meet their own aspirations.”
Ian has a strong background in protection of both individuals and assets and has extensive experience within the property sector. He uses this knowledge and a thorough understanding of the investment market to ensure his clients protect what they have built up and feel financially well-organised.
“My financial life experience is varied. I have worked for large corporate firms and as a sole trader. I have both bought and sold a business, invest money in stocks and shares, have a commercial property in a SIPP and own buy to lets. Like many of my clients, I also have a mortgage and my children’s’ education costs to pay. All this helps me understand the circumstances and emotions involved when my clients’ are making financial choices and allows me to add value and direction when they are considering their financial future.”
Ian likes to squeeze in some long haul family holidays, skiing, cycling, watching and coaching rugby and having a beer!
Ian Larthe de Langladure Dip PFS
Ian Larthe de Langladure is a founding Partner of Aspire. He is a financial planner who has a desire to use his knowledge and experience to enable clients to take advantage of the opportunities they come across. Ian creates financial plans for his clients as an effective way of bringing their business and personal goals together to try and obtain what they really want out of life.
“I want people to feel that they are dealing with a firm that has their interests at the heart to help them plan to meet their own aspirations.”
Ian has a strong background in protection of both individuals and assets and has extensive experience within the property sector. He uses this knowledge and a thorough understanding of the investment market to ensure his clients protect what they have built up and feel financially well-organised.
“My financial life experience is varied. I have worked for large corporate firms and as a sole trader. I have both bought and sold a business, invest money in stocks and shares, have a commercial property in a SIPP and own buy to lets. Like many of my clients, I also have a mortgage and my children’s’ education costs to pay. All this helps me understand the circumstances and emotions involved when my clients’ are making financial choices and allows me to add value and direction when they are considering their financial future.”
Ian likes to squeeze in some long haul family holidays, skiing, cycling, watching and coaching rugby and having a beer!
Nikki King Dip PFS
Nikki King is a founding Partner of Aspire and is the Managing Partner.
“Like all of us I have had to make financial decisions throughout my life. I have learnt that the right decision is often just the one that you understand and feel the most comfortable with. This is only possible when your adviser understands what you want and spends time explaining your options. Aspire allows me to work with likeminded individuals to offer sensible, ongoing advice which is grounded in experience as well as qualifications.”
Originally trained in a large Building Society where she was Branch Manager, Nikki went on to be a financial adviser, run a number of smaller IFA firms and had her own company offering business and compliance consultancy services to financial advisers before helping to create Aspire. Nikki not only heads up the compliance and supervision for Aspire but is also the brand architect.
“I spent years listening to advisers deliver great advice to individuals only to see this followed up by complicated, lengthy, poorly presented communications. I am obsessive about clients being given the right material to understand what they have so they can make informed choices and it’s very important to me that clients recognise & trust our brand.”
Nikki lives locally with her husband and sons. Weekends are normally touchline based – hockey or rugby. Holidays are adventures in a VW camper or skiing.
Nikki King Dip PFS
Nikki King is a founding Partner of Aspire and is the Managing Partner.
“Like all of us I have had to make financial decisions throughout my life. I have learnt that the right decision is often just the one that you understand and feel the most comfortable with. This is only possible when your adviser understands what you want and spends time explaining your options. Aspire allows me to work with likeminded individuals to offer sensible, ongoing advice which is grounded in experience as well as qualifications.”
Originally trained in a large Building Society where she was Branch Manager, Nikki went on to be a financial adviser, run a number of smaller IFA firms and had her own company offering business and compliance consultancy services to financial advisers before helping to create Aspire. Nikki not only heads up the compliance and supervision for Aspire but is also the brand architect.
“I spent years listening to advisers deliver great advice to individuals only to see this followed up by complicated, lengthy, poorly presented communications. I am obsessive about clients being given the right material to understand what they have so they can make informed choices and it’s very important to me that clients recognise & trust our brand.”
Nikki lives locally with her husband and sons. Weekends are normally touchline based – hockey or rugby. Holidays are adventures in a VW camper or skiing.
Ken Hall CFP™
“The Aspire Partnership has created an advice proposition that allows me to provide the service that my clients actually want. I am able to work with people to provide hands-on help as well as financial advice.”
Ken Hall is a Chartered Financial Planner with an expertise is financial planning in retirement and personal taxation. He has been with Aspire since its creation and he is much valued for his practical awareness as well as his technical know-how.
“Sometimes as people age they need more support with their finances, not just to be told a valuation of their investments. I enjoy the relationships I build with my clients; helping them with cash accounts, online systems or paperwork which can be confusing. I do have to discuss sensitive subjects like care, power of attorney and wills but clients often find that initial chat easier with a professional than a family member and having their affairs organised provides immense peace of mind.”
Ken can be regularly found watching Bristol Rugby or getting ready for Christmas! He is married with 3 girls so is also an unexpected source of what is currently trending in the teenage girl world!
Ken Hall CFP™
“The Aspire Partnership has created an advice proposition that allows me to provide the service that my clients actually want. I am able to work with people to provide hands-on help as well as financial advice.”
Ken Hall is a Chartered Financial Planner with an expertise is financial planning in retirement and personal taxation. He has been with Aspire since its creation and he is much valued for his practical awareness as well as his technical know-how.
“Sometimes as people age they need more support with their finances, not just to be told a valuation of their investments. I enjoy the relationships I build with my clients; helping them with cash accounts, online systems or paperwork which can be confusing. I do have to discuss sensitive subjects like care, power of attorney and wills but clients often find that initial chat easier with a professional than a family member and having their affairs organised provides immense peace of mind.”
Ken can be regularly found watching Bristol Rugby or getting ready for Christmas! He is married with 3 girls so is also an unexpected source of what is currently trending in the teenage girl world!
Naomi Keith Dip PFS
“Like me, many of my clients are busy professionals juggling careers and a young family. They need relevant financial planning delivered in a consistent and efficient manner. Understanding taxation, pension allowances and having someone to help implement their plans tend to be aspects that are important to my clients. Working with Aspire creates an environment which allows me to do just that”.
Naomi has been working in financial services since 2005 and has gained experience in various roles including advising for a large London investment management company. Her clients are typically based in the London, Bristol and Bath.
Naomi is also a member of several women in business groups and champions our sustainable investing proposition. On being a women in financial services Naomi says “We are in an era where more women than ever before are the main earner. Women also tend to out-live their male partners, or divorce a partner who used to be the financial decision maker. It doesn’t define me, but if being a female financial planner with empathy for their situation means more women directly access financial advice, I am happy about that!”
Naomi lives in Bath with her husband and her two young children. When not working, they like to get out into the country.
Naomi Keith PFS
“Like me, many of my clients are busy professionals juggling careers and a young family. They need relevant financial planning delivered in a consistent and efficient manner. Understanding taxation, pension allowances and having someone to help implement their plans tend to be aspects that are important to my clients. Working with Aspire creates an environment which allows me to do just that”.
Naomi has been working in financial services since 2005 and has gained experience in various roles including advising for a large London investment management company. Her clients are typically based in the London, Bristol and Bath.
Naomi is also a member of several women in business groups and champions our sustainable investing proposition. On being a women in financial services Naomi says “We are in an era where more women than ever before are the main earner. Women also tend to out-live their male partners, or divorce a partner who used to be the financial decision maker. It doesn’t define me, but if being a female financial planner with empathy for their situation means more women directly access financial advice, I am happy about that!”
Naomi lives in Bath with her husband and her two young children. When not working, they like to get out into the country.
Tom Shorland AFPS
“I enjoy the team approach at Aspire, we all have varied skill sets and collaborate to help clients achieve their objectives. It is this team ethos that has allowed me to use my experience and knowledge to help clients to structure their affairs in order to save tax or make more of their investments. I enjoy creating working relationships with clients and it’s a great feeling when your work has made a difference to their life.”
Tom has worked for Aspire since 2013. Since joining he has been an integral part of the team, helping the planners to deliver bespoke advice to clients. He is a specialist in both of owning commercial property within a pension arrangement and tax saving products. We were delighted to welcome him into the advisory team and to reward his dedication in 2019 with a promotion to Associate Partner.
Tom enjoys socialising, travelling and keeping fit. The office ‘unsolved mystery’ is how Tom manages to keep so fit whilst having a major passion for food, particularly the joys of eating it! Tom has an inherited interest in castles. He and his father even recently completed work on a small folly; with 4 nephews and 3 nieces it should see some use!
Tom Shorland Dip PFS
“I enjoy the team approach at Aspire, we all have varied skill sets and collaborate to help clients achieve their objectives. It is this team ethos that has allowed me to use my experience and knowledge to help clients to structure their affairs in order to save tax or make more of their investments. I enjoy creating working relationships with clients and it’s a great feeling when your work has made a difference to their life.”
Tom has worked for Aspire since 2013. Since joining he has been an integral part of the team, helping the planners to deliver bespoke advice to clients. He is a specialist in both of owning commercial property within a pension arrangement and tax saving products. We were delighted to welcome him into the advisory team and to reward his dedication in 2019 with a promotion to Associate Partner.
Tom enjoys socialising, travelling and keeping fit. The office ‘unsolved mystery’ is how Tom manages to keep so fit whilst having a major passion for food, particularly the joys of eating it! Tom has an inherited interest in castles. He and his father even recently completed work on a small folly; with 4 nephews and 3 nieces it should see some use!
Sean Guirey Dip PFS
Sean has been a financial planner for many years and has known the Partners in Aspire for a large part of that time! He joined Aspire as a Partner in January 2018 to allow him to give a broader, more consistent service to clients. Being Sussex based means many of his clients live in the South of England and London.
“I have a range of diverse and loyal clients developed primarily as a result of recommendations from existing clients and professional connections. They have benefited from the added depth of experience and expertise within the Aspire team.”
Sean lives in Ditchling with Leicsa and has four daughters. When he has a quiet moment Sean, a self-confessed foodie, can be found cooking up some fishy delights! Sport is close to his heart and he is still known to pick up a bat on the odd occasion himself. He is very proud of his daughters sporting achievements, but is modest enough not to take all the credit!
Sean Guirey Dip PFS
Sean has been a financial planner for many years and has known the Partners in Aspire for a large part of that time! He joined Aspire as a Partner in January 2018 to allow him to give a broader, more consistent service to clients. Being Sussex based means many of his clients live in the South of England and London.
“I have a range of diverse and loyal clients developed primarily as a result of recommendations from existing clients and professional connections. They have benefited from the added depth of experience and expertise within the Aspire team.”
Sean lives in Ditchling with Leicsa and has four daughters. When he has a quiet moment Sean, a self-confessed foodie, can be found cooking up some fishy delights! Sport is close to his heart and he is still known to pick up a bat on the odd occasion himself. He is very proud of his daughters sporting achievements, but is modest enough not to take all the credit!
Meet the partners
always available at the end of a phone
– Excellent.’
trusting relationship, there is a structured
objectivity that we value.’
things clearly and simply. I would not go
anywhere else for financial advice.’
of bereavement by helping me plan my
financial future which, importantly, suits my
individual situation and personality.’
customer focused and have always fulfilled
their promises.’
company over a long time. There are only a few
people and companies that I would recommend to
friends and family - Aspire would be one of them.’
Authorised and regulated by the Financial Conduct Authority – Ref. No. 518833.
Registered in England. Limited Liability Partnership No. OC351804.
Authorised and regulated by the Financial Conduct Authority – Ref. No. 518833.
Registered in England. Limited Liability Partnership No. OC351804.