Emine Osman (Radcliffe & Newlands Ltd)
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Financial planning
- Wealth management
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Insurance & protection
- Critical illness
- Income protection insurance
- Life insurance
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Savings
- Lump sum
- Regular savings
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Business
- Employee benefits
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
As a team, we are financial planners, wealth managers and employee benefits consultants. You can view details of services for private clients, employee benefits and some client testimonials on our website.
We take a keen interest in the latest thinking in financial advice and planning. Logic, an understanding of human behavior, academically validated investment strategies and risk analysis combine seamlessly with the latest technology to deliver our service to you.
Our clients benefit from the considerable knowledge, training and expertise of highly respected wealth managers and financial planners. You will have a formidable team working for you.
I am an expert in a very broad range of areas: investment, sophisticated tax planning*, pension transfers, dividing pensions on divorce or dissolution. My team also have expertise available for funding long-term care, releasing equity from your home**, mortgages, and employee benefits which I can refer to within Radcliffe and Newlands Ltd.
Advisers can call upon their specialist colleagues to advise on issues about which they do not have the required depth of professional knowledge.
In addition to providing expert financial advice to private clients, we work with employers to design and implement benefits packages as well as provide financial advice.
The purpose of financial planning is to help you achieve your goals in life.
Most people have not planned their lives, just ending up where they are. But how many times have you heard successful people talk about their plans or visualising their success?
Planning works. Our job as planners is to show you how the decisions you make now can shape your future and help you to achieve your ambitions.
Although there is a team looking after your finances your adviser looks at the bigger picture and manages the team to ensure consistency.
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