Let us help you with your finances, with careful and dilligent financial advice, made simple & easy to understand, and using our fully staffed in house research department.
Millhaven Financial Advice offers qualified, financial advice to individuals and companies with our own philosophy.
The need for good financial planning is crucial for anyone wanting to create financial security for themselves, or their company, to ensure that they have structured their affairs correctly. The whole field of financial planning can seem endlessly complicated, especially when you add the tax and legal situations to the basic financial requirements that you may have, so why not let a qualified financial adviser help you to achieve your objectives. Completing a financial review will help you to see your overall circumstances, and talking it through with someone else can be of great help. Pensions can be a real issue that requires advice for example.
Going onto the internet to try to get a grasp of all aspects of financial planning, including savings, pensions, and investment planning, can be a help, but is it the whole answer. For example how many people write their life cover under trust? If you don't, then on death how much goes to the tax man? In a lot of cases around 40%! So you may have tried your best to do it your self, but in the end did you know enough about the subject? All in all it can be a nightmare! Remember, the internet and the information it provides does not make a qualified adviser, and sometimes a little knowledge can be a bit of a problem. Most life cover should be written under trust, so have you done yours under trust?
At Millhaven we listen to your needs and circumstances, and you current financial situation, and discuss with you the matters that are of interest to you, in a clear jargon free way, so as to be able to provide the correct, advice, and select the appropriate financial products, and investments, for you. We always try to provide you with a high level of service. And remember we are a qualified advisor firm, so you are not stuck with the products of one provider only.
Sesame Research is part of Sesame Ltd, the largest distributor of financial and other insurance products in the UK.
Sesame Research is the only research provider in the UK to offer qualitative analysis on both products and investment funds, for regular savings and lump sum investments. This means that Millhaven receives insight and opinions of a team of experts as well as the nitty-gritty quantitative facts and figures that are so important. This enables Millhaven to provide quality investment advice to all, with a high level of service.
Access to big company research with large resorces, on subjects such as investments, pensions, protection, taxation and trusts, enables Millhaven to provide investment and savings funds and products, that are not only researched by the individual qualified adviser, but in much more depth by fully qualified researchers.
For investments, Sesame Research will risk assess every investment fund, to make sure that when Millhaven advises clients, for advice, on, for example, stocks and shares ISA's, unit trusts and OEICS, that is exactly matches the clients attitude to risk, so that a portfolio of investments can be tailored to the needs of the client. This is most important, for the peace of mind of each client, as is very important to provide the very best investment advice to each and every client.
Millhaven of Reading, offers impartial financial advice, with financial reviews on:-
Life Assurance, (under trust where necessary), Critical Illness protection, Income Protection Insurance, health insurance. Protection plans for all.
Remember life cover comes in many forms, not just term assurance, how about convertible term assurance, or family income benefit (very cheap life cover), or even whole of life cover, (cheaper for the younger person)!
Investments, including ISA's, unit trusts, and OEICS for regular savings and also lump sums, and single premium investment bonds, (backed by the Sesame Research Department). We act as wealth managers for individuals.
Pensions, pension schemes, and pension transfers (personal pensions only), Pension planning, retirement options. Stakeholder pensions for individuals, and companies with staff, general pension advice, the state pension, widows pensions..... and more!
Mortgages & re-mortgages. Mortgage solutions, and re mortgaging strategies.
Your property may be repossessed if you do not keep up repayments on your mortgage.
For mortgage advice you can choose how we are paid: pay a fee, usually 0.75% of the loan amount, or we can accept commission from the lender, or a combination of both.
Financial services in the round, tailored to meet your individual circumstance, which will be different from any other person!
Due to the size of the Sesame operation, Millhaven acts in association with recommneded specialist providers for the following financial advice:
Pension drawdown, (for the larger pension pot), and phased retirement, with full cash flow planning provided, with free review, and report, from a specialised firm, called Intelligent Pensions, who's consultants are qualified to the very highest standard in the UK. (highly recommended). They will provide expert specialist advice, for pension drawdown, and be able to guide you through the complex world of drawdown, so that you will be able to understand your situation in the round, without fuss or pressure. Please see the specialist page "Pension Drawdown" at the top of this page. Pensions can be very complicated, with legislation changing quite regularly, so some friendly advice may be of help here!
Occupational pension transferrs, done through Gateway Specialist Advice Services, the specialist Sesame advice service provider.
Equity release, done through Gateway, the specialist Sesame advice service provider.
Long term care, done through Gateway, the specialist Sesame advice service provider.
Limited buildings and contents cover (through Sesame Insure). They provide high quality cover with cheap insurance quotes.
Limited unemployment, accident, and sickness protection, (through Sesame Insure), again high quality cover with cheap insurance quotes.
Private Medical insurance, for individual and company clients, through a firm specialising in those subjects alone.
Debt solutions for those clients facing financial problems and wish to know more.
Commercial finance for those commercial mortgage needs.
Equity release refers to Home reversion plans and Lifetime mortgages. To understand the features and risks ask for a personalised illustration.
Commercial finance is not arranged via Sesame.
Millhaven's financial service
Financial reviews a speciality for the individual or corporate client. Especially for clients wanting to receive advice, from a qualifed adviser/advisor, rather than from a tied adviser/advisor, who will normally be tied to one provider only.
The principal of the firm, Mr Stuart Lawes, Dip PFS, has qualified with the Diploma in financial planning, from the chartered insurance institute, and is a member of the Personal Finance Society, and for mortgage advice has qualified with the mortgage advice qualification, also from the chartered insurance institute.
You are most welcome at Millhaven for all your financial needs, from life cover to lump sum investments, to equity release, so please feel free to call for an appointment. Please remember you do not have to live in Reading, as we travel! For example, Maidenhead is just up the road, and Swindon not much further! If you are looking for a financial adviser then Millhaven could be the place to go, for a firm of professional financial advisers.
Financial advice for all! If you live in London, then please call also as we have many clients there too! Travel is not too much of a problem, and you may find our charges, (if you choose the fee option, lower than a London advisor). Every little bit helps! Anyway you are only just up the road from Reading!