We can advise you on
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Business
- Corporate pension
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
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Financial planning
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Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- 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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Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
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Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Long term care
Meet our advisers
Sarah Ross Chartered Financial Planner
Chartered Financial Planner (Director)
Qualifications & Accreditations
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Advanced Diploma In Financial Planning (CII)
This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.
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.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
R06 - Financial Planning Practice (CII)
This qualification helps advisers develop and demonstrate their financial planning capabilities.
R01 - Financial Services, Regulation and Ethics (CII)
This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
R05 - Financial Protection (CII)
This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.
R04 - Pensions and Retirement Planning (CII)
This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
R03 - Personal Taxation (CII)
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.
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.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
Mike Rice DipPFS
Director
Qualifications & Accreditations
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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.
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.
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.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
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.
What our clients say
“As a lifelong investor, I have found Mike’s services in terms of strategy and managing the balance between risk and reward to be extremely beneficial over many years.
Unlike some professionals, he can be relied on to actually do what he says he will do and to deliver on his commitments.”
Mr I Taylor, Torquay
“Mike has been our Independent Financial Adviser for almost 7 years, during which time he has advised us on a range of financial investments, including pensions, ISAs/NISAs, collective investments, structured products and bank accounts. Throughout this period, we have been very pleased with Mike’s thorough and thoughtful advice, including the growth in value of the recommended investments, particularly through some volatile financial periods.”
Mr C and Mrs J Bell – Retired Directors – Education and Business Development Consultancy, Plymouth
“With the huge choice of investment products and ever changing tax and pension legislation it is important to keep both well informed and up to date.
I have found Mike Rice, my financial advisor very knowledgeable, a good listener and very thoughtful. He has a wonderful way of explaining some pretty complicated issues which has enabled me to be confident with my decision making. Thank you.”
Miss E Collier, Newton Abbot
“Mike Rice has been a great help to me, especially when dealing with Inheritance Tax, and general forward planning issues.
By taking time and care and being diligent throughout, he has helped our family immensely.
I would totally recommend him for any financial help needed.”
Miss S Carr - Investment Property Owner, Totnes
Where to find us
Lower Bowdens Farm, Bowdens Lane, Shillingford, Devon, Tiverton, EX16 9BU
Make an enquiry
About us
We have 30+ years of experience in providing our clients with a top class, personalised service, helping them to plan their financial futures.
We are a family business, with our two Directors and advisers being Mike Rice and our female adviser Sarah Ross.
We are committed to providing a personal, approachable, comprehensive financial planning service to help you to identify and realise your goals.
As a client, you will have your own personal adviser who will be your main ongoing point of contact, ensuring you receive a consistent service from someone who understands you and your circumstances.
We use our technical expertise and experience, to work in partnership with you to construct a clear strategy which can adapt as your needs change.
We use the latest technology, systems and investment solutions, to maximise efficiency and functionality, enabling us to deliver high quality service with real value for money.
We always try to be approachable, to ensure you are comfortable to contact us as and when necessary to discuss any questions/concerns/changes in circumstances that arise in the course of life or business.
Our services
We provide independent financial advice, travelling to see clients at home/work, throughout the South West. Specific areas we advise on include lifetime financial plans, investments, pensions (registered pension specialists), protection, long term care (registered long term care specialists), estate planning, and tax planning, among others.
We care passionately about always acting in your best interests, and helping you to achieve your aspirations. We believe the key to success is to define your goals, and create a clear, easy to understand plan to achieve them. We explain everything in ‘plain English’ and thrive on long term relationships built on trust.
Compliance
Authorised and regulated by the Financial Conduct Authority.
Generation Wealth Ltd Registered address: Abacus House, 129 North Hill, Plymouth, Devon PL4 8JY. Registered in England and Wales number: 9456850
