Marshall Sargent, Financial Planning Consultant, Quilter Financial Advisers

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

In a previous role I worked for an international bank in relationship management, through the London Institute of Banking and Finance I have attained Diploma for Financial Advisers, Certificate in Mortgage Advice and Practice and Certificate in Regulated Equity Release.

Mortgage customers

Mortgages can be tricky to arrange and can involve a lot of paperwork. I am experienced in researching and arranging mortgages for all sorts of people. With access to the whole of the market, and unique deals available from time to time, I always aim to provide the most appropriate solution for all my clients, regardless of their circumstances.

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

Protection

My aim is to help you establish the most suitable level of insurance 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.
There are other providers of Payment Protection Insurance [Short-Term Income Protection] 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.

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.

Financial Planning

A personal approach, 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 everyone’s 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. I will get to know you and your financial situation. I will report, discuss and guide you on your options. I will take care of the paperwork and process to get your pension and Investments started.

Holistic financial planning-

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

Investments-
Portfolio planning
ISAs
Unit Trusts
Investment Trusts
Investment Bonds
Offshore Bonds

Pensions

Personal Pensions
SIPPs
Company schemes
SSASs
Consolidation plans

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.

Trusts are not regulated by the Financial Conduct Authority.

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 – 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.

Estate planning and Trusts is not regulated by the Financial Conduct Authority.


Tax treatment varies according to individual circumstances and is subject to change.

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. Charles Derby Financial Services Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. (see the FCA register at www. fca.org. uk /register , references 440718 and 440703)