Independent Financial Advisor IFA in Banbury & Bicester
Nigel Wearden is an experienced Independent Financial Advisor based in Banbury, specialising in pensions, savings and investments, and tax planning advice. Nigel has clients throughout Oxfordshire, including Bicester, Kidlington and Chipping Norton.
Benefiting from the resources and expertise of a long established (1972) and respected firm, I provide a personal financial planning service for both individuals and businesses. I see my role as assisting you in making important decisions regarding your financial future, secure in the knowledge that you have received the right information, research and professional advice to suit your requirements.
Main areas of expertise
I advise, set up and manage plans and solutions on behalf of my clients in the following main areas.
Planning for Retirement
I can review your existing pension provisions to see if they still suit your needs as well as advise, set up and manage new plans where required, considering the following policies and issues:
- Personal pensions
- Final salary schemes
- Self-Invested Personal Pensions (SIPPs)
- Group personal pensions
- Pensions on divorce
- Pensions on redundancy
- Executive pensions
Please see drop down options on the main navigation menu under Planning for Retirement for further details.
Options at Retirement
In order to maximise your retirement benefits to match your particular circumstances, preferences and needs, I will place you in an informed position and provide advice on the following retirement solutions:
- Standard guaranteed annuities
- Flexible annuities
- Variable annuities
- With profits annuities
- Investment-linked annuities
- Third way annuities
- Phased drawdown
- Flexible drawdown
- Final salary benefits
For more information, please view the Options at Retirement section of the website.
Savings & Investments
Whether you are seeking capital growth or income, I will provide a financial review service that can work out whether your existing provisions, needs and wants are still suitable for you, and advise, set up and manage new plans, where required, considering the following investment types :
Tax planning should be a critically important area of your wider financial planning. After all, tax amounts to approximately half of all UK economic activity and therefore affects people’s everyday lives. I hold the advanced qualification, Chartered Insurance Institute’s (CII) G10 Taxation and Trusts, and have substantial experience of helping individuals and businesses with their tax planning, including:
- Income tax
- Capital Gains Tax
- Corporation Tax
- The taxation of dividends
- Inheritance Tax
View the Tax Planning section for further information.
Holistic Advice Process
Many areas of financial planning are interlinked and interdependent. I always consider this when advising clients on their options. I find that my clients, many of whom have been with me for many years, consider this to be fundamental to their planning needs.
How I Work
I offer an inititial consultation at no charge where we can discuss your requirements and acertain if and how I can help you.
This meeting typical takes place at our offices at our offices in Chipping Warden, six miles outside of Banbury, or at your home.
After this meeting you will be in an informed position as to how I can assist you with your financial planning objectives and will be well positioned to decide whether you would like to proceed with the advisory process.
Should you then wish to engage my advisory services, I charge a fee that provides for my unbiased, impartial advice. After gaining a deep understanding of your financial and taxation position, as well as your objectives, I shall present you with the most suitable options for your financial planning based on my own rigorous research.