Able Financial Ltd

Independent Financial Adviser 5 Wycombe Drive, Astley, Tyldesley, Lancashire, Manchester, M29 7BX

First meeting at adviser's own cost

Response rating

9.6/10

19th November 2018

A local firm with a great reputation due to the levels 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
Investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Unit trusts
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Business
- Corporate pension
- Group pensions

Meet our advisers

Andrew Rostron

Managing Director

Qualifications & Accreditations Hide qualifications

FP3 - Identifying and satisfying client needs (CII)

This exam accesses understanding of identifying and satisfying client needs.

FP2 - Protection, savings and investment products (CII)

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

FP1 - Financial services and their regulation (CII)

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

R08 - Pensions Update Programme

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

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.

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

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.

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.

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.

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.

R06 - Financial Planning Practice (CII)

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

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.

AF5 - Financial Planning Process (CII)

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

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.

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.

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.

GR1 - Group Risk (CII)

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

G60 - Pensions (CII)

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

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.

AF3 - Pension Planning (CII)

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

AF2 - Business Financial Planning (CII)

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

Accreditations

What our clients say

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

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

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 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 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

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

Brenda Waddington, Westhoughton

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

Where to find us

5 Wycombe Drive, Astley, Tyldesley, Lancashire, Manchester, M29 7BX

About us

Able Financial Ltd has a wealth of experience with the director being professionally involved in the industry for over 35 years.

A strong brand that's well established and appreciated by our personal clients who have used our services in most cases 15 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 usually 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.

Specialist qualified pension consultants.

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 office visits can be arranged.

Compliance

We are a company who puts the client/s first, by giving clear, jargon free, informed advice.

We are totally independent, fully authorised, and directly regulated.

We follow all Financial Conduct Authority (FCA) guidelines. You can view the company's details and information on the FCA register. The company registration number is 747170.

We have ongoing Continuing Professional Development (CPD) requirements which are met on an annual basis by implementing all the Chartered Insurance Institute (CII), and Personal Finance Society (PFS) guidelines.

Our Statement of Professional Standing (SPS) is current, in force, and is available for inspection on request.

We have full Professional Indemnity Insurance (PII) for all the services we offer, give advice on, and make recommendations for.

Our cover is current, in force, and is available for inspection on request.

We can advise you on

Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Unit trusts
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Business
- Corporate pension
- Group pensions

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

Compliance

Contact options

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