About Positive Advisers
Positive Advisers started as a tool for me to provide independent financial advice to my own clients. Since 2016 around the same time Marta my life partner and fellow business parter started a mortgage brokerage Five Star Mortgages. Marta now provides Independent Financial Advice with me in Positive Advisers as a qualifed Financial Planner. We now to run both businesses together and have build a team of over 10 people serving literatlly 100s of clients every year!
Our passion is to see our clients flourish and also the people that choose to work within our group. Thats why we provide true indpendent advice!
What do we do?
If you are looking for an independent financial adviser within two hours’ drive of Peterborough who can explain personal finance in a language that you understand, then you are in the right place.
Why Should you Choose us?
We have a laid-back approach and are not your typical, stuffy team of IFAs. We are approachable and love to share a joke. Unfortunately, we won’t send you a meerkat doll in the post or give you free cinema tickets but we will provide you with honest professional advice whatever your circumstances.
We have office locations in Peterborough city centre and within a great business centre in Corby. We also offer home visits on request and we can accommodate around our client’s busy life’s as we see clients in evenings and weekends.
We keep the process as hassle free as possible by completing all paperwork and submitting applications to providers on your behalf. We have a team of a administrators based in Corby who chase providers and keep you updated throughout. Finally, your security is paramount, and we have a client portal to enable you to view your file and all the important documents we provide to you.
What can we do for You?
We can provide advice in all areas including:
Wills & Estate Planning
Trusts and Inheritence Tax Advice
Mortgages Great and Small
We are all very experienced in mortgages having progressed from mortgage broker to financial planner. We all have clients ranging from first time buyers, through to people shopping around to keep their costs down, to property investors and portfolio land lords requiring specialist advice.
If your just starting out then visit our sister companies website for much greater information on mortgages and the process www.fivestarmortgages.co.uk but come back to your preferred adviser here as it’s the same great mortgage service.
For those over 55 looking to unlock some tax-free cash from their homes whether it’s to pay for home improvements, buy that campervan you’ve always dreamed about or to provide a deposit for your grandchildren, then we can help by offering advice on equity release mortgages. This is a highly regulated area and we will make sure that you receive the best advice whilst exploring all other options to ensure you get the best outcome possible.
Struggling to Understand Pensions?
Give us a try! We are proud of the way we explain this complicated area in a language you can understand. By the end of an initial chat you’ll know how to get money into a pension and the tax benefits of this, how to get money out when your of pensionable age and what happens to all that heard saved money should you pass away before or early into retirement.
We can review your current plans and then if appropriate provide a recommendation as an independent adviser working for you to find you the best solution from the market place. Lets get your pension working as hard as possible for you now so you can work less when your older!
Just starting out? We can explain the options and help you find a provider and strategy that suits you. We always look at tax efficiency to help your money grow as much as possible.
This could be with a life office or a more sophisticated investment provider. We are seeing a growing trend towards ethical investing so can help you here if you want to be a leader towards a sustainable future.
If you have sufficient funds to invest then we have close relationships with various discretionary fund managers DFM’s in London who can provide bespoke investment advice and build a portfolio unique to you! We only partner with proven tried and tested DFM’s with great track records of performance.
If your getting later in life and your starting to worry about the tax bill your estate and so beneficiaries may face we can provide a range of advice to plan for this. It could be as simple as a life insurance policy in trust to keep the payment tax efficient to pay the bill or more sophisticated investments that offer efficiency in planning for inheritance tax.
To start with we need to assess what will form your estate and work from their sometimes involving your tax planner in discussions.
Hopefully, I have convinced you to make contact and put us to the test. You have nothing to lose as we provide a free initial consultation so you can get a feel for your adviser and confirm the service and costs to help you move forward financially.
If you would like to book a no-obligation appointment with us then please fill in your details and we will be in touch to arrange a call at a time that is convenient to you.