Future Life Capital

Independent Financial Adviser  Future Life Capital, Basildon, Essex, SS15 6ED
First meeting at adviser's own cost
Future Life Capital operate a comprehensive approach to financial and life planning, that ultimately provides quality Client outcomes.
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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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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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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Buildings and contents
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Commercial motor
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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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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Rest of world
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Sharia finance
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 6th July 2020
Meet our advisers
Trevor Whiting APFS
Chartered Financial Adviser

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

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.

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.

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

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 assessed a knowledge and understanding of portfolio investment management.

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.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, lifetime mortgage products and the giving of mortgage advice.

Accreditations
Chartered Financial Planner
What our clients say
Post retirement financial planning. Helped to outline investment options and suggest a strategy - later helped with setting up the investments and now regularly monitors them along with me. Over the years I have grown to trust Trevor and his advice and this is essential between a client and advisor. His fees are open and reasonable and he devotes time to each of his clients personally.
Deepak, Hertfordshire
Required advice as a Business owner on protection and pensions. Trevor listened to my requirements and concerns and advised on several points regarding income protection as a key person in my business and on the most appropriate pension arrangement to set up, bearing in mind my risk attitude and my personal circumstances. His advice was very clear, considerate and comprehensive. Absolutely, I now feel completely at ease with my financial situation and the ongoing support from Trevor in relation to continually monitoring my requirements and the markets and advising me of any changes needed.
Paul, Essex
I was looking for high quality advice and support for a mortgage and pension. He visited me and took time to understand my situation including ability to pay, my needs and my aspirations. Yes, he has enabled me to raise affordable finance at times when I've needed it. Plus, I have confidence in the products he has advised.
Anthea, Hampshire
I needed to sort my personal finances out relating to getting the best Mortgage and Pension arrangements in place - especially understanding numerous work-place pensions and managing them in the best manner. Trevor has, over the last 15 years, kept me advised on the best Mortgage deals available to fit my circumstances as those have changed. His advice has always proved to be well considered and delivered and I have been entirely happy with the advice provided.Trevor has also spent much time assessing and advising me regarding pension arrangements - which I find entirely baffling - and has helped to provide excellent clarity of understanding for me and to advise on how best to combine (or not) various work-place pensions. In all my dealings with Trevor I have been completely happy with his advice and the actions we have taken together based on his advice have resulted in the desired outcomes as much as possible in market conditions.
Simon, Essex
Some small pensions had matured and also we were re-looking at the investments we already had in place and their effectiveness. Trevor helped us to understand the options that were available, he also explained the intricacies of options with the changes to pensions and how best to reinvestment. As well as that he helped us review the investments we had and move those to a more cost effective investment company that could give us a more integrated approach. Trevor had a good understanding of our position and made realistic suggestions for. We are. Our finances as regard investments are much better organised and easier to access for updates. We are clear on and happy with the position of our investments and pensions. Having never used an independent financial advisor before we found that Trevor made things clear and straightforward for us to understand. We really don't think there was anything he could have done better!
Sue, Essex
About us

Future Life Capital is an Independent Financial Adviser, based in Laindon, Essex, operating mostly across the South East and London.

We provide a strong investment emphasis, but a clue to our approach can be found in the title. We aim to build wealth for individuals and businesses, but we also acknowledge that money is there to be spent too. This is about life planning, as well as financial planning, not about selling products. A fact find is helpful, but in itself doesn’t enable us to really know who our Client is. Money has no real meaning or value, until translated into a life event or purpose. So, we set about getting to know you, by asking questions such as, where you are in your life, how you got there, and what you want from the future.

Our services

To enable the best advice, it's imperative we get to know you, we do not try and fit square pegs in round holes.

Where to find us
Head office address: Future Life Capital, 24 Hemmells, Laindon, Essex, SS15 6ED
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£0
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 6th July 2020

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