Able Financial Ltd

Independent Financial Adviser  59 Astley Hall Drive, Manchester, M29 7TX
First meeting at adviser's own cost
A local firm with a great reputation due to the quality of service given, experience within the Financial Services Industry and the high level of adviser qualifications.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Unit trusts
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Lump sum
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Regular savings
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Group Pension/Stakeholder
Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020
Meet our advisers
Andrew Rostron FPFS EFP
Managing Director

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

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

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

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

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

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.

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.

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.

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

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

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

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

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.

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

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.

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.

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

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.

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.

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

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

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

This exam accesses understanding of identifying and satisfying client needs.

Accreditations
Chartered Financial Planner
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 recently for a variety of services, including advice on our pension schemes, and for making some lump sum investments which have all been to our satisfaction and professionally handled.
Mark & Joanne Thorpe, Over Hulton
My wife and myself needed advice on our deferred pension schemes recently and having seen a number of advisers we chose Andy due to his knowledge, understanding of our requirements and the competitive fees which we found to be good value for the great service provided.
Darren Mathieson, Bolton
About us

Able Financial Ltd has a wealth of experience with the director being professionally involved in the industry for over 37 years.

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

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

This gives people confidence which often 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 only a few in this area.

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

Where to find us
Head office address: 59 Astley Hall Drive, Astley, Tyldesley, Manchester, M29 7TX
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Compliance

Able Financial Ltd is authorised and directly regulated by the Financial Conduct Authority (FCA). The firms permissions are current and up to date and can be checked on the FCA website. The advisers Statement of Professional Standing (SPS) is current and available for inspection on request.

Response rating
9.0/10
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FCA authorised
Last authorised 16th November 2020

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