Padstone Financial Management Ltd

Padstone Financial Management Ltd is Hereford based, providing a comprehensive service to both existing and new clients alike. The company draws on many years financial services experience. Mark has nearly 25 years financial services experience, eight of them with the National Westminster Bank. In that time he has covered all aspects of financial planning gaining extensive experience in investment and inheritance tax planning.

Investing capital is always a concern for most people as we don't really like taking risks as human beings and no-one wants to lose money. We will assess your risk profile and capacity for loss and listen to your needs and then aim to provide suitable solutions to your requirements. We utilise the sophisticated FE analytics system which provides comprehensive fund and portfolio performance comparisons. We can produce a summary of your investments and assets via our Portfolio reports and you even have access to our online portal if required.

The simple fact is we are living and working longer. Making provision for the future and retirement is vital. This has been helped by the introduction of Auto enrolment but put simply we need to save more for retirement. The most suitable solution will depend upon your employment and tax status but we can assist you and your Accountant if necessary with finding the right solution.

You might want to consider protecting your income in case of ill health - particularly if you run your own business. How would you meet your mortgage costs if unable to work due to an accident, sickness or unemployment. If you are in employment, how long would your employer pay you in the event of long-term ill health.