Life Financial Planning

Independent Financial Adviser  19 Town Hall,, Hebden Bridge, West Yorkshire, HX7 7BY
First meeting at adviser's own cost
We offer comprehensive independent financial advice and planning to enable our clients to understand and achieve their financial goals.
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 commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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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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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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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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Small business
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Travel
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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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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 private medical insurance
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 1st March 2021
Meet our advisers
MR Ian Gourley FPFS, TEP
Chartered Financial Planner

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.

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.

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 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.

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

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 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 investment products and the risks involved.

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.

Accreditations
Chartered Financial Planner
What our clients say
Ian personifies the things you want in an advisor dealing with your personal finance: he's knowledgable, clear, straightforward and proactive. In short I trust Ian because over the years he's consistently provided sound advice evidenced by performance. He conveys complex information simply and above all does it in a human way, able to understand what's happening in the lives of myself and my family and proactively translate that into useful, practical advice. Ian's always prepared and despite often having to alter meeting arrangements always does so in a professional "that's no problem" manner.
Anthony, Kent
Ian was prompt at responding to my initial request to meet and was happy to meet at my chosen venue (my home). He was very friendly, polite and willing to answer any question I had about his skills, knowledge and experience and about the particular service he offered. He took time to get to know me and understand my current financial position, lifestyle and future aspirations. He very clearly explained all aspects of his service and costs involved. I found his explanation of the computerised cash flow analysis process very clear and his advice on the pros and cons of different decisions I could make was particularly helpful as I had previously been very worried about making a 'wrong' decision. I would definitely recommend Ian to friends, family and colleagues seeking independent financial advice.
Mandy, West Yorkshire
About us

At Life Financial Planning we have designed our Wealth-check system as a health check for your finances so you can achieve financial clarity, independence and peace of mind.

There may be a particular financial issue that you have been putting off seeking help. As professional and approachable advisers we can help.

We are Independent financial advisers and based in Hebden Bridge, near Halifax in West Yorkshire. Book in today for your free initial Wealth-check consultation with an independent expert without obligation.

Our services

At the core of what we do and why we started Life Financial Planning is to help people.

We have helped our clients:

• Work less and have more time with family
• Understand what they want to achieve and what most important to them in life
• Form a plan of action and see the way ahead
• Feel more in control, secure and confident
• Save time, hassle and tax
• Have true peace of mind

Where to find us
Head office address: 19 Town Hall,, Hebden Bridge, West Yorkshire, HX7 7BY
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£125,000
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 1st March 2021

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