McCarthy Taylor Ltd
14th October 2019
A multi-award winning fee based firm that treats every client as an individual. No initial % fees charged for investments.
We can advise you on
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Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions review
- Pensions transfer
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Financial planning
- Wealth management
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Investments
- Ethical investments
- ISAs
- Investing for income
- Investment trusts
- OEICs
- Socially responsible investments
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Savings
- Lump sum
- Regular savings
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Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
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Expatriate finances
- EEA
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Business
- Employee benefits
- Group pensions
- Group protection
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Stockbroking services
- Stockbroking services
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Long Term Care
- Long term care
Meet our advisers
Clive Collins Dip PFS
Director & Independent Financial Adviser
Qualifications & Accreditations
MAQ - Mortgage Advice Qualification (CII)
This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
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.
G20 - Personal Investment Planning (CII)
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.
SV1 - Saving and Investment (CII)
This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
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.
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.
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.
Accreditations
Paul Taylor FPFS MCSI
CEO, Chartered Financial Planner
Qualifications & Accreditations
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
CF9 - Pensions Simplification (CII)
This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.
AFPC - Advanced Financial Planning Certificate (CII)
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.
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.
G60 - Pensions (CII)
This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.
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.
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
SV1 - Saving and Investment (CII)
This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.
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.
G30 - Business Financial Planning (CII)
This examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.
J10 - Discretionary Investment Management (CII)
At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills
Member of the Chartered Institute For Securities and Investments
MCSI membership is full membership of the CISI, and denotes a high level of achievement and competence. It is awarded to those with a suitable combination of qualifications and experience
Accreditations
Steven McKelvie FPFS
Chartered Financial Planner
Qualifications & Accreditations
R08 - Pensions Update Programme
This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.
CF2 - Investment and Risk (CII)
This examination assesses a knowledge and understanding of investment products and the risks involved.
J10 - Discretionary Investment Management (CII)
At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills
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.
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.
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
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.
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.
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.
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.
J12 - Securities advice and dealing (CII)
This exam accesses understanding of the features and risks of different securities, the structure and features of the securities market and relevant factors and considerations for appropriate investment recommendations.
CF4 - Retirement Planning (CII)
This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
What our clients say
I have been a client now for over ten years. During this time the company have always guided the way forward rather than dictated it to me. Their high regard for the client as a person not a number cannot be too overstated. Equally, if I contact them with any query or concern, someone always responds promptly - even when a query may sound small to the professional but large for me at that particular time /circumstance. I am sure it would be hard to find another company that conducts its business with the client in such an individual way. From the initial overview/ongoing portfolio; maintenance/inheritance tax planning/pension advice and not forgetting income tax support. That the company's staff appreciates the client's personal as well as financial circumstances is just one of their many attributes. I certainly recommend the company for its caring and supportive approach to its client base, where you will always feel treated and respected as an individual.
I have known the McCarthy Taylor group professionally for 6 years as an organisation that prides itself on its personal and professional relationships. The people involved are a most important part of that and it is rare to find an organisation where the uncompromising high ethical, moral and professional standards of the group are mirrored by all of its staff, as it is in the case of the McCarthy group.
As a recent personal customer, I find the openness and honesty with which they handle my affairs and have dealt with my case, a refreshing change from much of today’s world where hidden agendas over-ride many transactions. I would not hesitate in recommending them to any potential new customer.
McCarthy Taylor have been our financial advisers for a number of years. We have been very impressed by the depth of their expertise and the enthusiasm of each member of McCarthy Taylor for what they do. They are extremely approachable people and genuinely protective of their clients’ interests. It is clear that everyone at McCarthy Taylor takes great care to be fully up to date with the fast changing area of financial services and to offer the most suitable investment advice to match their clients’ needs.
’We have used McCarthy Taylor's Services for five years and we feel they are a breath of fresh air within the Financial Service Sector. Dealing with both Paul Taylor and Philip Haden we find them both extremely professional and knowledgeable within their field. We would recommend McCarthy Taylor to anybody looking for helpful and sound advice in these financially unsure times. Operating on a non-commission based option gives more clarity to the service they offer. Long may our relationship continue.
I would like to thank you for your help with my family financial matters. This was particularly valuable in relation to the problems encountered with my late mother's finances during her time in care. Having been with McCarthy Taylor for some years, I have always found their professionalism and integrity, in all matters, second to none.
I have known Paul and his team for over 5 years now and they have always provided timely and accurate advice, together with a personal touch which I find quite refreshing in today’s climate.
Where to find us
McCarthy Taylor Ltd, 6 Edgar Street, Worcester, Worcestershire, WR1 2LR
Make an enquiryAbout us
McCarthy Taylor Ltd are award winning Chartered Financial Planners offering Independent Financial Advice and Discretionary Wealth Management using bespoke solutions to provide individual and corporate clients with solutions specific to their needs.
Integral to our approach is the offering of a fee-based service, even on products that can still bear commissions, and we do not charge initial fees for funds under management. We offer an in-house advisory or discretionary investment management service.
All advisers are salaried with no sales targets to ensure there is no compromise to the advice being given. This provides peace of mind that you are receiving advice that is in YOUR best interests and not related to sales of products.
One of the unique aspects of our offering is that we have developed expertise in areas that do not require the involvement of financial products and in particular insurance company products.
We are experienced in advising on trusts, occupational pension schemes including trust-based self-administered pension schemes (SSASs) and self-invested pensions (SIPPs). We also provide investment related tax advice and specific advice on inheritance tax, capital gains tax and personal taxation.
Our focus is on long term relationships and helping clients meet their long term objectives.
Our services
When it comes to fee based independent advice, we offer a bespoke service which is tailored to your needs and reflects the changing stages of your life. We assess what you want to achieve from your investments, where you want to be in the future and how much risk you want to take. From our offices in Worcester, Cheltenham and Evesham, our expert team are on hand to help you achieve your aims in life. Call us today to see what we can do for you, your family or your business.
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