Our aim is to provide our clients with the best advice, planning and services on pensions, investments and protection, helping pave the way to a more secure financial future.
Independent Financial Advice
We advise clients in finding a mortgage that best suits their needs; whether a first –time buyer, someone looking to move or re-mortgage, or a buy-to-let investor.
We provide expert financial advice, planning & services for Medical Professionals, including locum insurance, practice insurance, NHS & private pension planning.
Individually Tailored Financial + Investment Advice
Based in Cross Hills between Skipton and Keighley, we offer Independent Financial Advice across West Yorkshire, North Yorkshire and East Lancashire. Clients choose Approachable Finance because of our flexible, ‘no obligation’ approach that offers independent, honest advice for improving wealth and investment plans based on gaining a thorough understanding of a client’s financial position.
We work flexible working hours, providing a ‘free of charge’ at home or office service. We understand that our clients are extremely busy and we are available to visit customers or set up meetings at our offices on evenings or at weekends.
Considering Financial Advice?
- Would you like to retire early?
- Would you like to save for the future?
- Would you like to increase your income?
- Would you like make more of your pension?
IF the answer to any of those questions is YES, then we can help. Contact us for a NO OBLIGATION initial financial consultation.
How We Work
Gaining a thorough understanding of your financial circumstances is essential to offing the best advice. In the first instance, our financial advisor will visit you for a free financial health-check to determine your current financial position. We use a five-step financial planning process:
- Phase 1: Initial Meeting
- Phase 2: Financial Analysis
- Phase 3: Strategy Presentation
- Phase 4: Implementation
- Phase 5: Review
How We Are Paid
- The first meeting is ALWAYS on a ‘free’ and no obligation basis.
- We always try to work to the best interests of our client not ourselves.
- All charges are visible and if clients are paying a fee we will offer ‘quotes’ of how much the work will be upfront.
Global Markets
Recent Blog Posts
1. Investing can beat cash over the long term There’s never a bad time to consider investing when you’re focussing on the long term – five years or longer. No one knows whether the stock market will be higher or lower tomorrow. There’s never really a picture-perfect moment to invest or to sell. And buying in at the market low point and selling at the top is almost impossible to get right. Generally, investing in the stock market has yielded better returns than cash over the lon...
Safeguarded benefits are defined as benefits that are not money purchase or cash balance benefits. This means defined benefits, guaranteed pensions including guaranteed minimum pensions and guaranteed annuity rates (GARs). An individual with safeguarded benefits worth more than £30,000 within a pension must take financial advice before they can do any of the following: Convert these benefits into a different form of flexible benefits under the scheme.Transfer these benefits to another sc...
The most common types of pensions are: State pension – this is a regular pension that you receive from the government which you can claim when you reach state pension age. Workplace pension – this is usually arranged by your employer. A percentage of your pay is put into your pension every payday and your employer will usually contribute. Private/ personal pension and Self Invested personal Pension (SIPP) Approachable finance offer private and SIPP pensions these give you an altern...
Please see below some useful information on the COVID-19 and financial planning. Furloughed Employees Owner Managers/Director Clients and the Job Retention Scheme FCA Guidance on Pensions Advice: Covid-19 Gifting wealth Funding ISAs Please find below a summary of the latest thinking on pension contributions and revised patterns of income. Many of your clients and/or their family members/friends will be impacted by the recent government announcements and their pension provision is an important ...
Mortgages If you are struggling to pay your mortgage as a result of your finances being impacted by coronavirus, you can apply for a three-month payment holiday. Interest accrued during the period will be added to the outstanding balance of your loan and can be repaid over the rest of the mortgage term. To apply for the payment holiday, you need to contact your lender, either by telephone or online. You do not need to prove that you are in financial difficulties. If you bought your property...
