Alun Cooper
Financial Adviser Dip PFS
Hello, my name is Alun, and I'm here to help you make those important financial decisions from the comfort of your own home or business premises..
I would like to share with you a couple of thoughts that you may find helpful when thinking about your own personal financial plan.
Contact Details
"I think I have a plan in place, but I'm not sure what it looks like."
Having a plan in place that gives you peace of mind is really essential. Cashflow Modelling is an exciting tool that helps you plan for the future. It considers various factors like savings, investments, and retirement goals to give you a clear picture of your financial health. It answers important questions like when you can retire and how long your savings will last. It also considers long-term care and leaving a financial legacy.
What's even more exciting is its ability to adapt to changes in your plans. With Cashflow Modelling, you can explore different scenarios and make informed decisions. Overall, it's a powerful tool that allows you to confidently plan and make the most of your financial future.
"I find it difficult to keep track of my pensions, should I review them?"
As you make your way through your working life and move from job to job, it is very likely that you will acquire a range of different pension plans.
I work with clients to track down old pensions and find out what it means for them.
"Pensions are boring."
Yep, I get that. But think of a car. The way a car engine works is also boring, but what it does most certainly isn’t. Without an engine a car doesn’t move, and a pension is the same. A pension is the engine, your ability to enjoy life when your older is the car…
“I’ll worry about retirement when it comes.”
It would be nice if we could. Unfortunately, that is like wanting to insure your house contents after you’ve been burgled. You must prepare in advance for retirement as we all need the time to accumulate what we need. It is never too early to think about saving for retirement. Are you starting to think about the life you want to lead when you have more time?
"I'm in my company pension scheme; I'll be all right."
Maybe, but don't leave it to guesswork. Some old types of schemes offer guarantees that your current scheme doesn't, and sometimes this can give false comfort. Better to know.
My message to all my clients is that your financial future is too important to leave to chance. Your employer recognises this and has appointed PFP Wealth and me to help. Wasting time and inertia are the enemy of pensions. But don't worry, I can help.
The key benefits to you are:
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Check if your pension can provide you with the retirement you want,
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Pay less tax today,
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Have a plan in place that meets all your goals,
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Understand the risk of your pension investments,
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The St. James's Place Advice Guarantee (click here for more information).
St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the Group, more details of which are set out on the Group’s website at www.sjp.co.uk/products.
Other areas of interest
In addition to the above, I also work with clients on...
Regular and
Lump Sum
Investing
ISA's, Junior ISA's
and Children's
Pensions
Protection
Planning
Business
Planning
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
Run your own business?
ST. JAMES'S PLACE (SJP) ADVISING BUSINESS OWNERS SME BENCHMARK SERVICE MIGHT BENEFIT YOU...
Running your own business can be challenging, and it’s not always easy to identify the route to success. The SJP Advising Business Owners is here to help. The SME Diagnostic Tool lets you compare your business confidentially with similar local and national businesses. You will gain valuable insight into your business, with independent* confirmation of the areas in which you excel and help identify areas where change will help to create significant value.
The tool is designed to pinpoint the issues that matter to your business. We will give you access to the expertise and support you need to drive it to the next level.
*We work with a large network of external growth advisers and SME specialists, which have been carefully selected by St. James's Place. The services provided by these specialists are separate and distinct to the services provided by St. James's Place and include advice on how to grow your business and prepare your business for sale.
Sign up to the programme
We achieve this through a simple online questionnaire. This provides all the information we need to create your own personal communication profile; it will also help us understand your specific issues and how we may help you address them. Complete the questionnaire to join today.
WHAT PEOPLE SAY
"Alun is so helpful and pleasant he goes above and beyond to ensure we feel confident and comfortable. Investing money you have worked so hard for can be daunting and Alun explains everything. Nothing is ever to much trouble and Alun is always at the end of the phone. We also have face to face meeting which Alun is always prepared and brings alsorts along with him. You get a really personal feel and it genuinely feels like Alun has your best interests at heart. I find him to be very honest and open and I’m secure in the fact that whatever the future holds with Aluns expertise my children will always be provided for. I wouldnt hesitate to recommend him and regularly do."
Gemma Porch, CJP Nail Systems Ltd, Managing Director
By submitting your details you are agreeing to an Adviser from PFP Wealth Group Ltd and our Partnership contacting you by phone, email and to offer you a no-obligation meeting.
The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.
PFP Wealth Group Ltd is registered in England and Wales, Number 13267152. Registered Office: Unit 8 Paragon Business Park, Red Hall Court, Wakefield, West Yorkshire, WF1 2UY.
SJP Approved 12/3/2024