A free initial consultation, without obligation

There are times when it can prove difficult to establish your true financial needs. You may want an expert to consider whether or not your finances are in order or to point out if you need to take some action.

We offer a free initial consultation without obligation, of up to half an hour in length, to consider your current personal circumstances.

Our advisers are available to meet in person, or if you would prefer it is possible to hold a consultation over the telephone.

Specialist advice

In a similar way as the medical profession, there are differences between the manner in which financial planners operate. Some can be viewed as general practitioners, whilst others choose to specialise on certain areas of advice.

Assisting our clients to plan for their futures, normally requires us to consider all aspects of their financial well being. We are careful to ensure that we highlight any protection needs, investment or tax saving opportunities that exist. This level of service demands the general financial planning skills that we have built up over the years our business has been in operation.

We understand that there are circumstances of financial planning where the expert knowledge of a specialist is required. Listed below are the areas of specialist advice that we provide and details of who you should contact.

The value of investments and income from them can fluctuate (this may be the result of exchange rate fluctuations) and investors might not get back the full amount invested. Past performance is not a guide to future performance

In some circumstances broker fees may be payable. Please ask for more details.

The Financial Services Authority does not regulate Taxation and Trust advice, Finance and some aspects of Commercial Mortgages.

Contact us		Specialisation		Email
Mr I McCullough Cert PFS		Group Pensions		Granite Financial Management Ltd		email me
		Shareholder Protection
		Group Protection
		Tax Planning for businesses
		Group Stakeholder
		Key Person Protection
		Pension choices at Retirement
		Pensions (incl Stakeholder)
		Portfolio Management
		Unit Trusts / Investment Trusts
		Lump Sum Investments
		Ethical Investments
		Estate Planning
		Individual Protection
Mr I Osborne Cert PFS, Cert CII(MP)		Key Person Protection		Granite Financial Management Ltd		email me
		Group Pensions
		Shareholder Protection
		Group Protection
		Group Stakeholder
		Pension Transfers
		Individual Protection
		Regular Savings
		Investments for Trusts
		Pensions (incl Stakeholder)
		Unit Trusts / Investment Trusts
		Lump Sum Investments
Mr T Keeble BSc (ECON), Dip PFS		Group Stakeholder		Granite Financial Management Ltd		email me
		Group Pensions
		Group Protection
		Residential Mortgages
		Tax planning for Individuals
		Investments for Trusts
		Lump Sum Investments
		Individual Protection
		Pension Transfers
		Pension choices at Retirement
Mr P Warbis Cert PFS		Shareholder Protection		Granite Financial Management Ltd		email me
		Group Protection
		Group Stakeholder
		Key Person Protection
		Group Pensions
		Regular Savings
		Pensions (incl Stakeholder)
		Health / Long term care
		Unit Trusts / Investment Trusts
		Lump Sum Investments
		Ethical Investments
		Individual Protection
		Pension Transfers
Your home may be repossessed if you do not keep up repayments on your mortgage.