Kristofer Olsson Financial Advisor At Charles Derby

Charles Derby is a UK advisory business devoted to helping individuals with their financial planning

I am a fully qualified Financial Advisor based in the North East of England with the national firm Charles Derby.
I can provide advice on Pensions, Investments, Protection, Mortgages and Inheritance Tax Planning.

If you would like any advice in any of these areas please get in touch

I offer a FREE initial no obligation consultation to discuss your needs and objectives. If you wish to proceed after the initial meeting then we can discuss the options for how to pay for my services either through direct payment or via product facilitated charges.

What Our Service Provides:

For total peace of mind Charles Derby Advisers all share and adhere to our company standards training and compliance requirements and our client promise.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

The FCA do not regulate Inheritance tax planning or Trusts

Mortgages

Mortgages can be tricky to arrange and can involve a lot of paperwork.
I am an expert in researching and arranging mortgages for many different clients. With access to the whole of the market, and unique deals available from time to time, I always aim to provide the most suitable deal for all my clients, regardless of their circumstances.

Protection

My aim is to help you establish the most suitable level of protection and help you protect those who depend upon you against the most serious risks that you face, specifically to your life and your health.

These Include:

*Life Insurance
*Critical Illness Insurance
*Income Protection Insurance
*Mortgage Payment Protection Insurance
*Permanent Disability Benefit Insurance
*Death Benefit Insurance

There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.
For impartial information about insurance, please visit the website at www. moneyadviceservice.org. uk.

Holistic Financial Planning

I offer a individually tailored advice service, I do not operate a one-size-fits-all approach.
I will help you plan your pension with you and your own aims in mind.
I recognise that everyoneвҖҷs situation is different and take this into account in helping you to get underway.
As an overview, there are just three steps to get up and running

1) I will get to know you and your financial situation.
2)I will report, discuss and guide you on your options.
3)I will take care of the paperwork and process to get your pension and Investments started.

This includes

*Establishing and reviewing Trusts
*Complete personal risk management planning
*Short and long-term savings and investments

Investments I advise on are :

*Portfolio planning
*ISAs
*Unit Trusts
*Investment Trusts
*Investment Bonds
*Offshore Bonds

Pensions I advise on are:

*Personal Pensions
*SIPPs
*Company schemes
*SSASs
*Consolidation plans

Estate Planning

Estate planning (also known as Inheritance Tax Planning) can be defined as passing your estate to your loved ones in the most effective way.
Even if you consider yourself to be of fairly moderate wealth, you may still need to consider taking action вҖ“ particularly if you own property or have savings.
Effective estate planning will also consider access to and protection of your assets, provision for vulnerable or minor beneficiaries, and more.

If you would like any advice in any of these areas please get in touch

Charles Derby Financial Services Limited. Registered in England and Wales, under no. 05693185. Registered office address - 6 Tollgate Business Park Tollgate West, Stanway, Colchester, Essex, England, CO3 8AB.

Charles Derby is a trading style of Charles Derby Financial Services Limited is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority. FCA Number 452529