We are passionate about what we do and our highly experienced advisers are committed to providing common sense solutions. We believe that the things that matter to our clients should be tackled head-on and you can be sure that we will be on your side when helping you to make important financial decisions.
Your circumstances and needs are specific to you. We therefore offer a free initial consultation so that we can get to know you and you can get to know us! This enables us to give you an indication of the work we would envisage and an estimate of the costs that would be involved – before entering into any formal agreements.
I have been advising clients for over 30 years and set up MBH in 2010. My priority has always been to keep things simple as I believe that complication too often adds unnecessary risk. I spent over 10 years working for a large, regional law firm where I gained very valuable experience working in the investment management division, alongside the probate department. My career has centred around investment, pension and tax matters and I work on the principle that it is an adviser’s responsibility to tell you what you need to know, rather than what you may want to hear.
I started my career in the financial services industry in 2001, also within the investment department of a large, regional law firm. I am a chartered wealth manager and fellow of the Chartered Institute for Securities and Investment (CISI). After a number of years working in the City office of Ashcourt Asset Management, I moved to European Wealth and managed the Brighton office until I joined MBH in July 2018.
I have worked in the financial industry for over 15 years and alongside Martin for 13 of them. I have worked at various job level roles for financial firms, from office junior to administrator, to the more technical report writing and dealing with investments. The experience I have gained at each level has given me a firm understanding and appreciation for the many aspects involved with client servicing. I hope to find the time, juggling studying and my two young sons, to push on with my exams and reach adviser level.
I joined MBH in early 2019 and have worked for various financial adviser firms over the past 12 years. The experience I have gained over the years has helped give me a rounded knowledge and understanding of the industry and the advice process. I am also working towards qualifying to Level 4.
I joined MBH at the beginning of 2020, having previously worked with Martin, Dan and Jo. I have spent over 20 years in financial planning, mostly with banks and insurers, but most recently with an IFA practice. My knowledge is diverse, but I have predominantly been involved with pensions advice and ‘at retirement’ planning. While it is important to be comprehensive and precise when providing solutions, I strongly believe that a jargon-free, relaxed style makes things easier for everyone.
Is investing an art or a science?
We believe that investing is as much an art as a science and that neither answer solves anything on its own. So, when making investment decisions, we think that the common sense part of the process is every bit as important as the theory.
We have an unusually focused approach which allows us to monitor our clients’ portfolios closely. That focus is central to both the risk management of our clients’ portfolios and to ensuring we can advise all of our clients to act promptly, should the need arise.
Transparency and clarity are important too. We therefore look for the simplest available options to ensure that you know, and that we know, where you are heading.
As investment is a long-term commitment, your affairs need to be flexible enough to deal with the personal and legislative changes that are unforeseeable but inevitable. We think that the benefits of flexibility are too often misunderstood and only become apparent after things have changed, so we prioritise flexibility in everything we do.
Are Pensions the new first choice?
Pension plans have evolved into flexible and useful tools that now go significantly beyond just planning for your retirement.
They are tax-efficient in many and varied ways and the recently announced potential exemptions from Inheritance Tax (IHT) put them into a whole new ‘must have’ category for many of us with IHT issues to consider.
Pensions are what most of us think of when we think about retirement. However, pensions should be seen as just a part of a comprehensive retirement planning exercise and we advise you to consider all your savings and investments – as well as your wider personal and financial circumstances – when making your retirement plans.
Pension tax reliefs
Tax relief on your contributions
Tax efficient growth while you are building your pension fund
25% of the fund tax-free when you draw your benefits
Exemptions from Inheritance Tax (IHT)
We believe that current legislation has opened the way for inter-generational planning that should make pensions an increasingly important part of all of our futures.
While legislative interference could be a potential cloud on the horizon, making sensible use of the substantial benefits on offer should be considered.
Sensible planning could help you to enjoy a secure retirement and being able to bequest that security and enjoyment is now a real possibility. We believe that our considered and long-term attitude to your retirement would be a valuable asset to you.