Rosewood Financial Advisers
Looking for saving and retirement options?
Financial planning is essential to ensuring your retirement goals and financial objectives, including long-term aims can be realistically achieved. Our independent financial advisers are on hand to help with all your long-term financial planning. Including pensions, alternative retirement plans, saving options and investments.
Taking an initial review of your current investments, savings or pensions we can then look to advise on and create long-term plans for your finances. We will discuss and assess your current needs as well as your financial objectives for the long-term. Together we will create a bespoke personal financial plan, along with taking into account your current assets and restructure them in the most tax-efficient way. We can also be on hand to review your financial goals on a regular basis.
At Rosewood Wealth we offer straightforward independent financial advice for clients across Chesterfield, Derbyshire. We will work with you to provide a range of retirement and pension planning choices along with looking at saving options. Resulting in the creation of an individual savings and retirement plan.
How we can help you
At Rosewood Wealth, we offer a range of financial services. We are here to help and guide you to find the financial solution to meet all your financial objectives.
Frequently Asked Questions
Is it worth getting a pension?
The short answer to this is yes. Whenever you contribute towards a pension, you get tax relief from the government, if you’re under 75, subject to the annual allowance. The fund also grows free of income tax.
When should I start saving for retirement?
The simple answer to this is as soon as you can. Ideally you would start saving for your retirement as soon as you start working. The sooner you start to put money aside for your retirement, the more time your money will have to grow and the less you will need to add to this in later years.
What are my options at retirement?
There are many options available including accessing your tax-free cash, fixed income as well as flexible income options. It’s important to make sure you are getting the most from your money and it is structured in a way that supports your objectives in retirement. This could be a combination of income strategies which should be thoroughly discussed with your adviser.
Are you making the most of your ISA allowances?
ISA’s allow you to save up to £20,000 a year in cash, stocks and shares, or a mixture of the two, with all interest and growth free from tax. That means when you withdraw money from your ISA you will not have to pay any income tax or capital gains tax on the proceeds.
You can transfer some or all of your ISA balances, whether cash or stocks and shares to a better account or more competitive deal so it is always good to review your ISA arrangements.
Hear what a few of our highly satisfied clients have to say
I spoke to Donna to crystallise a pension fund from a previous employer. By continually persevering to achieve the result that I wanted even though there were a few problems along the way. Donna could not have been more helpful. In my opinion, she could have done no better. I would have no hesitation in recommending Donna to anyone for her knowledge and help.
Donna is extremely professional and I am very happy with all the help and advice she has given me in relation to my Pension Investments. All round 5 Star Service!
My previous advisor with whom my pension had been with did not keep me advised and the investment was just standing still. I, therefore, shopped around and found that Donna understood what I was after and therefore I felt confident that she would keep me totally up to date on my investment.
Contact our experts
Expert financial and mortgage advice tailored to you
Rosewood Wealth Management Ltd
Registered in England and Wales Registered Company Number : 08291755. Registered address: 388 Brimington Road, Chesterfield, Derbyshire S41 0TF. Directors: Donna Robertson & Shannan Pool-Gorman
What to do if you have a complaint: If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. If you wish to register a complaint, please contact us: In writing: Shannan Pool-Gorman, 388 Brimington Road, Chesterfield, S41 0TF. Email: firstname.lastname@example.org, or by telephone 01246 932300. Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details: http://financial-ombudsman.org.uk/.
A lifetime mortgage is secured against your home and is a complex product. To understand the features and risks, ask for a personalised illustration. Your home or property may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. The value of your investment can go down as well as up and you may not get back the full amount invested. Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means-tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your options at retirement.
© 2019 Rosewood Wealth Management | Rosewood Wealth Management is a trading style of Rosewood Wealth Management Ltd which is Authorised and Regulated by the Financial Conduct Authority – number: 841587. You can check this on the Financial Services Register by visiting the FCA’s website – or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority does not regulate taxation advice, university/school fees planning some aspects of buy to let mortgages. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The FCA’s consumer website address can be found here.