Integral Financial Planning Limited
15th October 2018
We turn pension and investment jargon into English and keep your retirement plan on track.
We can advise you on
-
Business
- Group pensions
-
Financial planning
- Wealth management
-
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Socially responsible investments
- Unit trusts
-
Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
-
Savings
- Lump sum
- National savings
- Regular savings
-
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Meet our advisers
Stephen Groves
Chartered Financial Planner
Qualifications & Accreditations
GR1 - Group Risk (CII)
This examination assesses an understanding of group risks, including the operations of such schemes and their features and taxation.
ER1 - Equity Release (CII)
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.
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.
CF6 - Certificate in Mortgage Advice (CII)
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.
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.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
J08 - Financial Planning Practice (CII)
This qualification helps advisers develop and demonstrate their financial planning capabilities.
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.
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.
J02 - Trusts (CII)
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.
J01 - Personal Tax (CII)
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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.
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.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
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.
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.
Accreditations
What our clients say
Steve helped us understand our options with an old final salary pension my wife had very clearly. We discussed all the pros and cons and, with the exception of the pension providers taking a long time, our plan was set up well and we are confident in the future of this pension. I wish we had found an adviser we could trust years ago.
What were the circumstances that caused you to look for a Financial adviser?
Pension and ISA consolidation.
How did Stephen Groves help you?
Steve recommended and implemented a portfolio of funds for my pension and consolidated my existing pensions onto a new platform. It has performed very well.He has also recommended a fund portfolio for my ISA which he is in the process of setting up.
What is your current situation? Have you seen the outcome you were hoping for?
Steve's advice has been excellent so far. I am very happy with the service.
What could they have done better?
We had a very small problem with post which Steve is now resolving and in the meantime Steve went out of his way to meet me at my work location during the day complete our current business. Excellent service.
What were the circumstances that caused you to look for a Financial adviser?
I was looking for some help to understand the various pension pots I had accrued over the years, and some advice on whether to transfer them into one pot, how to do this, what it would mean for me etc. I generally needed some help in understanding what I had and what was the best thing to do with it.
How did Stephen Groves help you?
Stephen gave me a free initial consultation, which was nearly 2 hours long. He carefully explained to me the type of pensions that I hold, the advantages and disadvantages of keeping each one, the issues I needed to consider in transferring them to one provider and the options available for me. He then researched both my current 'pots' and options in some depth and reported back to me carefully and clearly, providing a written report, and talking all aspects through with me in full.
What is your current situation? Have you seen the outcome you were hoping for?
Support from Stephen helped me make the decisions I had been putting off for some years. I now hold all my pensions pots in one policy and know and understand what I have. It's too early to say how they will perform but I think I feel as confident as I could that I have done the right thing.
What could they have done better?
Nothing. He was polite, friendly, well-dressed; explained things very clearly and carefully; never became impatient when I struggled to understand things and never lost patience! he also came to my house, which was great.
Where to find us
1 Aire Street, West Yorkshire, Leeds, LS1 4PR
Contact usAbout us
We are a Chartered Financial Planning company and Yorkshire's pension and investment specialists. We seek to help you understand the complex world of investing and retirement planning so you can make informed choices with your money.
Our services
Our first meeting is at no cost and during this we aim to help you understand your existing pensions and investments and the pros and cons of options available to you. If we both feel we can work together we will put a proposal forward and create our intial lifetime cash flow plan.
Similar advisers near you
Bespoke, holistic financial planning with a specialism in the at-retirement and in-retirement advice area, including Defined Benefit/Occupational pensions.
We are independent Financial Planners based in Leeds, working with high earners, business owners and people at retirement.
Specialists in Pensions, Investments & Full Financial Planning. We help people cut through the jargon and plan for their future.
We provide a wealth of experience in bespoke investment management and traditional stockbroking services with over 30 branches nationwide.
Legal information
While unbiased.co.uk endeavours to verify the information provided as thoroughly as possible,
it is your responsibility to ensure the adviser you choose is appropriate and regulated
for the business you are transacting.
Any decision to transact business is made by you on the basis of your own enquiries.
To check that an adviser is regulated, you can contact the relevant regulatory or professional body.
Access to and use of this online IFA directory is subject to unbiased.co.uk website terms and conditions and privacy policy.
