At Progressive Financial Services we believe that financial planning should be understandable, sustainable and empowering. Dealing with pensions, investments, mortgages, life insurance and other areas of personal finance can be daunting and overwhelming so our aim is to cut through the jargon to ensure our clients have the best possible provisions in place and most importantly, put them in control of their finances.
We are also experienced in group pension and protection schemes, helping SMEs put together benefits packages for employees. With auto enrollment coming down the line, we are excited to help our SME clients get ahead of the curve.
Who we are
Progressive Financial Services are a Financial Broker, providing a range of services to both companies and individuals. We are honest, transparent, knowledgeable and thorough. Services include personal financial planning, pensions, retirement planning, investments, savings, mortgages, life insurance, serious illness cover, income protection & disability insurance and inheritance tax planning. We also specialise in group pension and protection schemes. We provide a fee-based review service, so there is no pressure or obligation to take out any products through us.
How we can help individuals
First we conduct a thorough review of existing provisions, taking into account the individual’s current earnings and tax situation – these might include their existing and preserved pensions, mortgages, savings, investments and protection products. Our review includes making sure that all policies are cost and tax-efficient, relevant to current needs and that pensions and investments are consistent with our client’s attitude to risk. We then make recommendations on any changes that could be financially better for the client, and give saving and investment advice. This information is presented in an overall financial report, which is subject to ongoing reviews, because we know better than anyone that most things change with time.
Most importantly, this review is not created in a vacuum – we work with our clients in assessing what’s best for them and their circumstances; our aim is to equip our clients with the knowledge they need to better understand their finances and how to optimise their income both now and in the future. Put simply, you are in the driving seat; we simply provide the roadmap!
How we can help SMEs
We are specialists in helping SMEs set up group pension and protection schemes i.e. death-in-service and income protection, which in our experience can help attract and retain great talent. With auto-enrolment on the horizon, setting up a group pension now will put you ahead of the curve – we can advise on the best possible offering for your employees, roll out the scheme and engage with each member of staff to ensure everyone understands the valuable benefit offered by their employer. For directors and key employees, we are experienced in setting up bespoke self-administered pension scheme and will advise on the most tax-efficient way of taking lump sums from large pension pots and assist in creating company exit strategies.
Directors, did you know you can buy a property with your pension?
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