Able Financial Ltd

Independent Financial Adviser 59 Astley Hall Drive, Astley, Tyldesley, Lancashire, Manchester, M29 7TX

First meeting at adviser's own cost

Response rating

9.3 /10

9th December 2019

A local firm with a great reputation due to the level of adviser qualifications and the quality of service given.

We can advise you on

Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- SIPPs
- Stakeholder
Financial planning
- Wealth management
Investments
- ISA / Unit Trusts / OEICs
- Investing for income
- Investment trusts
- OEICs
- Unit trusts
Savings
- Lump sum
- Regular savings
Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Corporate pension
- Group Pension/Stakeholder

Make an enquiry Request a call back 01942 919814 Recommend to a friend

Meet our advisers

Andrew Rostron FPFS EFP

Managing Director

Qualifications & Accreditations Hide qualifications

AF2 - Business Financial Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to business.

R05 - Financial Protection (CII)

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

R03 - Personal Taxation (CII)

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

R06 - Financial Planning Practice (CII)

This qualification helps advisers develop and demonstrate their financial planning capabilities.

FPFS - Fellow, Personal Finance Society (PFS)

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

J03 - The Tax and Legal Aspects of Business (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

APFS - Associate, Personal Finance Society (PFS)

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

AF3 - Pension Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

G60 - Pensions (CII)

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

GR1 - Group Risk (CII)

This examination assesses an understanding of group risks, including the operations of such schemes and their features and taxation.

R01 - Financial Services, Regulation and Ethics (CII)

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

Dip PFS - Personal Finance Society Diploma (PFS)

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

AF5 - Financial Planning Process (CII)

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

AF4 - Investment Planning (CII)

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

SV1 - Saving and Investment (CII)

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

J05 - Pension Income Options (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

J04 - Pension Funding Options (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

J06 - Investment Principles, Markets and Environment (CII)

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

J10 - Discretionary Investment Management (CII)

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

R08 - Pensions Update Programme

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

FP1 - Financial services and their regulation (CII)

This exam accesses understanding of the financial services and their regulation.

FP2 - Protection, savings and investment products (CII)

This exam accesses understanding of protection, savings and investment products.

FP3 - Identifying and satisfying client needs (CII)

This exam accesses understanding of identifying and satisfying client needs.

Accreditations

What our clients say

We've used Andy for nearly 20 years on a variety of services, but more recently for various lump sum investments which have all been to our satisfaction and professionally handled.

Colin & Chris Green, Radcliffe

A first class service when it came to take my pension income getting me 30% more than my existing pension provider.

Brenda Waddington, Westhoughton

Andy has helped me with retirement, investment, tax and trust planning for myself and my family. We've always been happy with his service over the years.

Colin Quigley, Worsley

Andy has always been knowledgeable but takes care to ensure I've always understood the advice he's given me on my pension plans and helping me mitigate taxation on my estate by efficient planning ensuring my family will be taken care of.

Jeanette Williams, Wigan

Andy helped me recently with my deferred Barclays Defined Benefit scheme, and helped me understand my options, the advantages, and disadvantages very clearly. It resulted in me being able to retire earlier than expected.

Denise Conroy, Prestwich

Andy has helped us retire fully recently giving us clear and informed information on all our options regarding the company and personal pension schemes we hold, along with tax mitigation and Investment advice, has helped to provide a full and comprehensive service.

Phil & Helena Nuttall, Bury

I've always relied on Andy for my Retirement Planning, and due to all the work undertaken over the last 15 years via Andy, I have now retired fully into a very comfortable early retirement.

Daniel Menzies, Atherton

Where to find us

59 Astley Hall Drive, Astley, Tyldesley, Lancashire, Manchester, M29 7TX

Make an enquiry

About us

Able Financial Ltd has a wealth of experience with the director being professionally involved in the industry for over 36 years.

A strong brand that's well established and appreciated by our personal clients who have used our services in most cases 20 years or more.

An in depth service offering advice that allows clients to make informed decisions based upon a clear understanding of all their options.

This gives confidence which ensures repeat and ongoing service.

This added value has resulted in long term relationships with all our clients.

As a Chartered Financial Planner I'm committed to delivering better value and choice for my clients.

By being Independent, I am not tied to any product provider nor restricted in the areas of advice I can help with, so I can and do access the whole of the market to find the best solutions for my clients.

We take great pride in the quality of our advice to help achieve your financial objectives.

We are Specialist qualified pension consultants, one of a few in this area.

We are authorised to advise on all type of pension arrangements including safeguarded, guaranteed, occupational pensions, defined benefits, including transfer services.

Our services

RETIREMENT PLANNING

Pre-retirement:- Advising on retirement plans eg. Personal Pensions, Self Invested Personal Pensions.

At retirement:- Advising on the retirement options from your pension funds.

Post retirement:- This is a diverse area that includes maximising income from existing investments in the most tax efficient manner.

INVESTMENT PLANNING

I help to grow and protect my client’s wealth by designing and implementing tailored, tax efficient, financial solutions and strategies.

Home or workplace visits arranged to suit your requirements and convenience .

Make an enquiry Request a call back 01942 919814 Recommend to a friend

We can advise you on

Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- SIPPs
- Stakeholder
Financial planning
- Wealth management
Investments
- ISA / Unit Trusts / OEICs
- Investing for income
- Investment trusts
- OEICs
- Unit trusts
Savings
- Lump sum
- Regular savings
Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Corporate pension
- Group Pension/Stakeholder

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£50,000

Minimum pension value

£50,000

Minimum mortgage value

£0

Make an enquiry Request a call back 01942 919814 Recommend to a friend

Contact options

Make an enquiry Request
a call back 01942 919814 Recommend to a friend

Similar advisers near you

Charles Derby Financial Services Limited

Restricted - whole of market 1.41 mi

We understand that all needs are different and are comfortable helping people navigate through the important areas of their lives.

See profile

The Private Office

Independent Financial Adviser 1.75 mi

Award-winning, Chartered financial planning firm delivering unbiased, tailored advice to protect and grow your wealth.

See profile

Oakley Financial Management

Independent Financial Adviser 2.42 mi

We believe that websites can’t advise people on their financial futures, nor should they. When dealing with people's finances.

See profile

Camargue Wealth Ltd

Independent Financial Adviser 2.45 mi

Independent Financial Advisers specialising in retirement planning, investments and protection

See profile

Legal information

While unbiased.co.uk endeavours to verify the information provided as thoroughly as possible, it is your responsibility to ensure the adviser you choose is appropriate and regulated for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries. To check that an adviser is regulated, you can contact the relevant regulatory or professional body.

Access to and use of this online IFA directory is subject to unbiased.co.uk website terms and conditions and privacy policy.