Personal Planning

Personal Planning

Independent Financial Advice for Private Clients

There is no “One Size Fits all” approach to Financial Planning. In order to ensure that you get the best advice, we firstly listen, so that we have a thorough understanding of what you’d like to achieve. We then ascertain your current situation by looking at any existing arrangements you may have in place and how these may fit in with what your aspirations. We then agree the best way forward to ensure we put in place the most appropriate strategy to meet your needs.

Whilst the following list is not exhaustive, it gives an idea of some of the key areas of advice that we can help you with.

Life and Health Protection

Generally the cornerstone of good financial planning. Your protection needs are likely to change as you move through the various life stages. When you are single, providing an income if you are unable to work due to accident or illness may be all that you require but when there is a family to think about, providing a lump sum in the event of an unexpected death of the breadwinner could make life a little easier for those left behind. Whatever the circumstances, we’re here to cover the bases so that you can get on and enjoy your life.  

Savings and Investments

ISAs, General Accounts, Onshore and Offshore bonds, Investment and Unit Trusts, OEICs, the list goes on but what do they all do and what is best for me? We can guide you through the maze of options and by listening to your objectives can put in place an investment strategy to meet your changing needs.

The value of your investments, and income from them, can go down as well as up and you may get back less than the amount invested.

Inheritance Tax Planning

Roy Jenkins, the former Labour chancellor, once described inheritance tax (IHT) as “a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue.” To an extent this is true but in order to pass on as much of your wealth as possible and to minimise the impact of IHT on your loved ones, expert advice is required. Trust us to tailor a strategy to suit your circumstances.

Pensions, Pension Transfers, Pensions and Divorce and Retirement Planning

Pensions are still the most tax efficient way for us to save for our retirement but since 2015, the way in which we can access our pensions has changed significantly. As Pension transfer specialists, whether you have a Final Salary/Defined Benefit (DB) scheme, Occupational Money Purchase scheme (EPP, SSAS, Cimp, Comp, S32) or one of the various forms of Personal Pension (PPP, GPP, SIPP, Retirement Annuity, Stakeholder) you can be assured that with our guidance, you will have the most suitable advice taking you through to retirement and beyond.

Equity Release

Significant advances in Medical Science and a healthier lifestyle mean that generally we’re living longer than ever before. On one hand, this is great news but for those who don’t have much in the way of retirement savings or have long term care needs, it brings a different set of problems to the table. There are however, a number of potential solutions available so please talk to us so that we may guide you through the options.

This is a Lifetime Mortgage or Home Reversion plan. To understand the features and risks, please ask for a personal illustration. 

Long Term Care, Trusts and Taxation

No one wants to pay more tax than is absolutely necessary which is why part of our service, is to ensure tax efficiency in all areas of financial planning. Trusts can form a key part of Tax Planning which is why we use them. Placing a Term Assurance policy in trust for example will ensure a faster pay out to the intended beneficiary in the event of a claim whereas placing investments in a trust can help minimise Inheritance tax to the estate. Whatever your needs, we will consider all of the options and present them to you in a clear, unambiguous style.

The Financial Conduct Authority does not regulate taxation and trust advice. 

Pensions and Investments – The Market value of your investments and the income derived from them can go down as well as up and you may get back less than you have invested.

Please contact us for an informal, no-obligation chat about your financial requirements.


The Ross Partnership LLP

12 Holly Crescent


Berkshire SL4 5SL

Tel: 01753 290909



Should you have cause to complain, and you are not satified with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service Exchange Tower, London E14 9SR

Tel: 0800 023 4567 or 0300 123 9 123


The Ross Partnership LLP is a Limited Liability Partnership registered in England. Registration Number OC391037. Registered office as company address as detailed on the Contact Us page.

We are entered on the Financial Services Register No 617015 at

The information contained within this site is subject to the UK regulatory regime and is therefore primarily targeted at consumers in the UK .