We are Independent ‘whole of market’ financial advisors with our Head Office based in Oxfordshire. We have a wide geographical spread of both financial advisors and will writers. Whether you are looking for a mortgage, pension, investment, personal or general insurance, our fully qualified and regulated advisors can find a product best suited to your needs.

Our friendly and personal service will make the, sometimes difficult, process run as smoothly as possible for you. From our first discussion to completion, our aim is to provide you with excellent, personal customer service and to forge a long lasting relationship.

No matter where you are based, we can provide you with the kind of service that you would expect to receive from your professional advisor.

Appointments can be conducted by phone, in our office or at your home or workplace at a time that best suits you.

If you wish to make an appointment or simply want some further information, please do not hesitate to contact us on 01865 959099 or fill in your details on the Contact Us page where one of our advisors will return your query within 24 hours.

Power of Attorneys

Lasting power of Attorney

A lasting power of attorney (LPA) is a legal document that lets you (the 'donor') appoint one or more people (known as 'attorneys') to help you make decisions or to make decisions on your behalf.

This gives you more control over what happens to you if you have an accident or an illness and cannot make your own decisions (you 'lack mental capacity').

As someone becomes more unwell, they're likely to find it more difficult to manage money and financial affairs, and may become too unwell to make decisions about health and finances. If this is a worry, they can give someone power of attorney to make decisions and take care of things on their behalf.

In general it's better to do it sooner rather than later. This is because it can only be set up when someone has the mental capacity to make their own decisions. 'Mental capacity' means that you are able to understand information and make and communicate your decision

Immediate Power of Attorney

An Immediate Power of Attorney gives (the attorney) the same powers to act on (the donors) behalf when it comes to making decisions regarding their finances or business affairs. The difference being is this takes effect immediately and unlike a Lasting Power of Attorney this can be applied and used when the donor has capacity but is unable to, or is finding it difficult to manage their finances of business affairs.

There is no need to register an Immediate Power of Attorney with the office of the public guardian so there is no wait time for it to be ready to execute. Some people may set up an Immediate Power of Attorney when going away for an extending period of time or during a temporary illness.