Balance: Wealth Planning Limited

Independent Financial Adviser  The Point, Nottinghamshire, Nottingham, NG2 7QW
First meeting at adviser's own cost
We are an independent, Chartered financial planning firm. Our Financial lifestyle planners are experts in tax and lifetime wealth structuring and are currently offering meetings online, or over the phone, in response to Coronavirus.
We can advise you on
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Annuity purchase
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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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Ethical investments
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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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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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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
Response rating
10/10
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FCA authorised
Last authorised 19th October 2020
Meet our advisers
Rebecca Aldridge
Managing Director and Chartered Financial Planner

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

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

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.

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.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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.

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

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

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

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

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.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

This qualification assesses a knowledge and understanding financial planning fundamentals, the six steps of financial planning, savings and investments, tax treatment, assets and liabilities, risk and ethics and codes of practice in the application of the financial planning process.

Accreditations
Certified Financial Planner Chartered Financial Planner
Tina Winter
Chartered Financial Planner

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

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.

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.

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.

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

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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

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

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

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

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.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

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

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

Accreditations
Chartered Financial Planner
Krupesh Kotecha
Financial Planner

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

What our clients say
Rebecca Aldridge had been recommended to me by a local businesswoman in Nottingham. I value the advice of this particular businesswoman so set up an appointment to meet Rebecca.I have met a few Financial Advisors over the years and they've always come across a bit scary. I didn't understand what they were talking about and felt a little intimidated asking questions.Rebecca is not like that at all. She dresses very business-like, has a wonderful welcoming smile and speaks dead posh! Not that any of that really matters. What matters to me is the 'quality' of her financial advice and her ability to get it across to me in such a way that I could understand it. There was no pressure involved at all. Rebecca explained all the pros and cons involved in the particular financial matter up for discussion and left it with me to think about. Her communication skills are excellent and being in business myself this is something very important to me. She kept me updated via email at all times. I would not hesitate to recommend Rebecca. In fact I've already recommended her financial services to several of my friends.I'm looking forward to receiving Rebecca's ongoing financial advice and support with a new business venture that I will be launching soon. Rebecca stands head and shoulders above many other financial advisors. What could they have done better? Nothing. I was very happy on all levels.
Linda B, Nottingham
About us

AWARD-WINNING
We are award-winning financial planners.

Trusted by hundreds of families in the Nottingham & Derby area, we have been recognised nationally as one of the UK's top 100 financial planning firms and won multiple awards for our approach.

OUR FOCUS: YOUR LIFESTYLE
Our focus is on growing, protecting and simplifying your wealth. Why? To give you the best chance of enjoying your ideal lifestyle - now and in the future.

FEES
We guarantee a free initial consultation of up to 1 hour, during which we will usually discuss some of your goals and your financial situation.

We charge a flat fee ranging from £2,500 - £7,500 for full financial planning advice and making all the changes you need. Extras are unusual. We charge a flat monthly fee to keep everything reviewed and address other planning issues as they arise.

PROVEN PROCESS
Hundreds of clients have made positive changes after going through our carefully designed process.

Using sophisticated software, we create a detailed lifetime wealth forecast to test which goals are achievable and simulate your plan under different conditions.

Your personal financial planner then develops your plan, with clear practical advice

Our services

OPTIMISE
A great financial plan is based on a deep understanding of what's important to you, and the expertise to optimise and protect your wealth. All with the aim of giving you the best chance of success.

PROVEN PROCESS
Using our proven process, we carefully consider every aspect of your finances. We forecast your wealth and the lifestyle it could support. Then we set out steps to help you get there as quickly and safely as possible.

AWARDS
David Norton Building Excellence 2018
NMA Top 100 Financial Adviser 2018 & 2019
Highly Commended Best Paraplanner 2019
VouchedFor Top Rated Adviser 2019 & 2020

Where to find us
Head office address: The Point, Loughborough Road, West Bridgford, Nottinghamshire, Nottingham, NG2 7QW
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 19th October 2020

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