Positive Wealth Management

Independent Financial Adviser  Stephen McDine I F A Ltd, Newcastle upon tyne, Tyne and wear, NE15 8NX
First meeting at adviser's own cost
First class service, North East based firm. Vouchedfor rated 4.8/5
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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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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Critical illness
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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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Estate planning
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Taxation planning
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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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
Stephen McDine Cert CII DipPFS
Director

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

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

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 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.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

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.

What our clients say
I have been a customer of Stephen McDine IFA for over 16 years. During that time Stephen has regularly advised me on financial matters including advice on mortgages, pensions, investments & care planning. I have always received sound & impartial advice that I have always taken. I have absolutely no hesitation in recommending Stephen in his capacity as an IFA.
Andrew Ware ACMA, Shotley Bridge
About us

High Standards of advice, attention to detail and superb customer service. That whats you will receive from Stephen. I use the best providers and the latest technology to ensure our clients get great value money, a personal face to face service and an understanding of there investments and Pensions. Would you like to see how you can access your Private Client personal website to view and track all of your plans?
We do not charge a fee for our initial consultation.We remain truely independent and work of a fee or commission basis.

Our services

Superb personal service, backed up with client testimonials.
Fantastic track reord and results for my clients.
Pension Drawdown and tax planning, Goal Based and Cashflow based planning.

Where to find us
Head office address: Stephen McDine I F A Ltd, Unit 6, Gateway House West, Greenfinch Way, Tyne and Wear, Newcastle Upon Tyne, NE15 8NX
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£125,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
7.0/10
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FCA authorised
Last authorised 6th July 2020

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