Autonomy Wealth Ltd
12th August 2019
Throughout your financial journey, we will work side by side with you to understand your long-term personal financial goals.
We can advise you on
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Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
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Mortgages
- Equity release
-
Financial planning
- Wealth management
-
Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
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Savings
- Lump sum
- Regular savings
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Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
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Tax & trust planning
- Estate planning
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Business
- Employee benefits
- Group pensions
- Group protection
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Long Term Care
- Long term care
Meet our advisers
Craig Evans
Director/Chartered Financial Planner
Qualifications & Accreditations
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.
R08 - Pensions Update Programme
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
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.
G10 - Taxation and Trusts (CII)
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
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.
HR1 - Home Reversion Plans (CII)
This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.
Chartered Financial Planner (CII)
Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
CF7 - Certificate in Lifetime Mortgages Activities (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
G20 - Personal Investment Planning (CII)
This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.
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.
G80 - Long-Term Care, Life and Health Protection (CII)
This AFPC module provided an advanced knowledge of life and health protection. The October 2004 examination qualified the individual to advise on long-term care insurance.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
CF4 - Retirement Planning (CII)
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
CF3 - Financial Protection (CII)
This examination assesses a knowledge and understanding of financial protection plans.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
Chris Jones
Director/Chartered Financial Planner
Qualifications & Accreditations
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
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.
G10 - Taxation and Trusts (CII)
This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
G20 - Personal Investment Planning (CII)
This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.
K20 - Pensions Investment Options (CII)
This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.
K10 - Retirement Options (CII)
This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.
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.
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.
CF8 - Certificate in Long-Term Care Insurance (CII)
This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.
Accreditations
Nigel Murdock
Director
Qualifications & Accreditations
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.
What our clients say
My wife and I were looking for reliable, sound financial advice after inheriting a fairly large legacy. We also had some existing investments. The financial markets seemed confusing and a little daunting so we needed reliable, up to date advice and planning for the future.
Craig assessed our requirements in a very professional manner taking into account our attitudes to risk, and requirements for future financial stability. This was explained in a very straightforward way and Craig has been a constant reliable source of advice, changing investment portfolio's to suit our needs as we approach retirement. At times the financial markets can seem scary given the economic climates we have gone through over the past 17 years or so. Craig is always on hand to reassure us, and tweak our investments to ensure the best possible returns. A very safe pair of professional hands.
We are more than happy with the advice we have received over the years. The documentation is always straightforward and in a format that is understandable. The advice and investment planning that has been given by Craig has given my wife and I an extremely favourable financial future, and we are looking forward to a retirement that will be very comfortable & suits our needs. Our investments have grown very well and in a way we never thought possible. To summarise, we are extremely satisfied with all the advice and planning Craig has and is continuing to give, and at a very reasonable cost. It has given us complete peace of mind. We would recommend Craig to everyone looking for financial & retirement planning,.
Quite simply we are very satisfied and in our opinion the service is first class
While I was working I needed to make my savings efficient to supplement my and my wife's pensions in future. I had previously managed my and my wife's savings myself, mostly, but not all, in ISAs and other tax efficient products. However we had never taken a proper look at our objectives and attitudes and ensured that our savings portfolio was designed to support them.
Craig undertook a thorough appraisal of current and likely future objectives and our attitudes to risk. Then he examined our existing savings and made recommendations to enable these to match our objectives. Later on retirement he modified our savings from a growth based approach to an income based one. In addition he took us through planning for inheritance tax. His recommendations were made in writing but also accompanied by regular personal visits. Charges were made clear and have represented value for money, I could not have managed our savings as efficiently or as productively myself.
While growth based our savings increased substantially in value and now that we are taking income to supplement our employment pensions, this is very tax efficient and is giving us income without at this stage eroding capital. In addition he advised my wife on timing and products for switching life insurance policies into an annuity.
He could live closer - I'm joking, he takes the time to drive several hours to see us on a regular basis.
I wished advice on retirement and looking to invest my portfolio and gratuity for future growth and income. We met Craig on several occasions prior to my retirement to ensure that he understood my needs and I was fully aware of the products that were available. I have found his advice to be truly Independent, tailored to my needs and financially sound. An honest advisor he has always delivered his guidance in a clear, logical and precise way.
Not one to sit back on his Laurels he has been diligent in monitoring my investments on a regular basis and if required advising me to modify the portfolio to ensure the best results. My returns have been in line with or better that expectation. He advised my wife on her annuity and her results were much better than we could find at the time.
It is very difficult to see what could have been done to improved his advice. We had many meetings and conversations which ensured the service was what was needed.
Where to find us
Autonomy Wealth Limited, The Boot Factory, 22 Cleveland Road, Wolverhampton, West Midlands, WV2 1BH
Make an enquiryAbout us
Operating within the West Midlands and across the country, Autonomy Wealth Limited is a financial planning practice.
Our primary goal is to provide creative independent financial advice to assist and empower clients to achieve financial security for both themselves and their families.
We are committed to independent advice constructing financial solutions using products from the whole market. Financial advice is provided by our highly qualified and experienced consultants and is regulated by the Financial Conduct Authority.
Who we work with best
• We are highly experienced in working with senior executives, professionals, business owners and retirees
• Those who wish to work with a professional advice firm towards their long-term objectives
• Invested assets of £200,000 or more; or with complex circumstances.
We cover most areas of financial advice (except conventional house purchase mortgages) but areas to highlight:
o Investment strategy (asset allocation, investing for growth or income and making use of tax efficient plans)
o Retirement options – selecting the best option for you and your family at retirement, including equity release.
o Inheritance Tax planning – helping to achieve your life objectives whilst leaving a tax efficient legacy
o SIPPs and commercial property purchase to grow your business.
Our services
Although our aim will be to undertake a full holistic review of your financial situation we will find out the areas which are a priority to you and we will structure our service to meet your needs. As part of the full financial review we also offer targeted advisory services including:
• The Business Owner Service
• Professionals & Executives Service
• Retirement Income Service
• Later Life & Legacy Planning Service.
We are strongly committed to independent financial advice, constructing financial solutions using products from the whole market. Financial advice is provided by our qualified and highly experienced consultants.
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Award winning Midlands based IFA. Also famous for Karen's freshly baked chocolate chip cookies!
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Taking time to listen and understand your needs so I can help you achieve your goals.
Our specialisations lie within constructing tax efficient investment portfolios and retirement planning, be it 'saving for' or 'at retirement' solutions*
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