Pension legislation is changing all the time; due to its political sensitivity, it always has and it always will. It is no surprise people are unable to traverse their retirement planning without help from a professional. Our advisers [Mark and Rahul] pride themselves by translating complicated pension planning into a language their clients can easily understand.
Whether you are far from retirement, or already retired, we can help you start to understand when you can retire or what you need to do to get there.
Our advisers use Cashflow Modelling to help you not only make a plan but also regularly review your investments to ensure things continue to work for you.
Common questions we help clients with are:
Outside of pensions, there are endless types of investments open to individuals. Some are more common, such as an Individual Savings Account (ISA). Others, like a Venture Capital Trust, are less common. There is no uniform answer as to which investment is right for a client. Our advisers take the time to understand client’s circumstances so they can provide you with a recommendation, but more importantly provide you with clarity so you can understand your investment.
Common questions we help clients with are:
It is natural that we would all like to ensure as much of our estate passes to our beneficiaries as possible. Unfortunately, like pensions, this is an area where the legislation and numbers are constantly under review or change from our Government.
It is our job to ensure we can help you reduce your inheritance tax liability. Like pensions, there is no “one size fits all” approach which will provide an answer to clients. Our advisers offer a free consultation which gives clients the time to explain their scenario and our advisers can spend some time to ascertain how we can help you.
Common questions we help clients with are:
At Acorn to Oaks, our Financial Advice team is dedicated to helping individuals and families build, grow, and protect their wealth with confidence. Led by Rahul Gupta, Director of IFA and supported by Mark Jeavons, we have a passionate and experienced team who offer independent, tailored advice designed to deliver genuinely good outcomes for every client.
Rahul brings a wealth of knowledge and leadership to the team, with a clear focus on delivering high-quality, ethical financial planning. Mark has been an adviser for nearly 10 years now and his and Rahul’s ideals are very closely aligned.
Whether you’re planning for retirement, investing for the future, or looking to secure your family’s financial wellbeing, we’re here to guide you every step of the way—with integrity, clarity and care.
Background
John (62) and Sarah (60) are a retired couple in the West Midlands. Sarah has already retired, and John plans to follow soon. They’ve accumulated various pension assets, ISAs, and investments, and wish to enjoy retirement while supporting their children and grandchildren.
The Challenge
They wanted:
Despite awareness of the £1M IHT threshold, they lacked clarity on how to effectively use gifting, trusts, and planning tools.
Our Approach
We developed a tailored plan that included:
The Outcome
John and Sarah now have a clear plan for their retirement and estate. They’ve started making tax-free gifts and feel reassured their wealth will support both their lifestyle and family, in a tax-efficient way.
Our team are happy to help, please complete the contact form and one of our experts will get back to you soon.
93 Church St
Bilston, Wolverhampton
West Midlands, WV14 OBJ
01902 409414
