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You’re an individual.
Your financial planning should be too.
What we do
In an uncertain and complex world, you need your finances to be made straightforward and secure. At Prosser Knowles, we do just that. We provide personal, face-to-face financial planning and wealth management services designed to help you gain control of your finances, protect your loved ones and achieve your goals.
There are no off-the-shelf solutions – we firmly believe that your personal goals, circumstances, aspirations and needs deserve a personalised approach. We base our service on this principle, and thanks to our large, highly skilled team, have built our reputation for exceptionally strong, trusted and enduring client relationships.
Who we work with
Financial security is important whatever stage of life you are at. From your first steps onto the housing ladder, to retirement and later life planning, we’ll deliver peace of mind and a plan for the future at every step.
Our Values
Our values help to set us apart as a financial planning firm that puts its clients first.
Every member of the team at Prosser Knowles keeps the following values at the centre of the work they do. These values form the basis of all the relationships we build with our clients.
1. We respect our clients’ individual needs
We don’t group clients together with “off the peg” financial solutions. We never have and we never will. We respect the diversity and individuality of our clients’ circumstances and the challenges they face and we keep each client’s particular needs and goals central to our work.
2. We deliver quality
We are a knowledgeable partner, delivering high-quality financial planning and wealth management. We believe that we are never done learning and continually push ourselves to expand and deepen our professional knowledge so that we can better understand and serve our clients’ needs.
3. We are innovative
We respond quickly to new initiatives and regulation changes within our industry. We keenly monitor the marketplace and take advantage of market opportunities as soon as they arise so that we can continue to offer the best new investment opportunities to our clients.
4. We provide value
We are trusted by our clients and professional partners to provide a valuable service. We know that “value” can mean different things to different people, so we take the time to understand what it means to you. Whether it is peace of mind, security or building your wealth, we focus on the things that matter to you.
Building wealth
Lay the foundations that enable you to build your wealth and reach your financial and lifestyle goals over the long term.
It’s easy to get caught up with day-to-day living and find yourself drifting towards a future you haven’t chosen for yourself. Financial planning can be a welcome chance to assess where you’re heading and whether you want to change course. Our work together will give you the opportunity to pinpoint what you want your future to look like and how you can position your money to obtain it.
Whether your focus is on advancing your career, building your business, or giving your children the best start in life, our Financial Planning Consultants will help you find solutions to your specific concerns and prepare you for the challenges and opportunities that lie ahead as your life changes.
- Planning for lifePinpoint what you want your future and your family’s future to look like and position your money to obtain it.
- Investing for your futureWhether you are a cautious investor or more adventurous, we’ll help you build an investment portfolio aligned to your objectives and your attitude to risk.
- Family protectionGain peace of mind that your loved ones won’t be financially impacted should you lose your health, livelihood or life.
- Tax planningPotentially reduce your tax burden and ensure that more of your wealth can go towards helping you achieve your goals.
Business owners
Create a strategy to maximise your wealth and ensure your personal and business finances are working together in unison.
Running a business means you’ll already have a head full of figures. But how much thought do you give your own financial plans? Are you sure you have everything in place to deliver the future you want for yourself?
Our team of experienced planners will help you take a step back, analyse where you’re going, where you want to be and how you’re going to get there. We’ll survey your current arrangements and help you identify what might need to change for you to achieve the lifestyle you want for yourself and your loved ones.
We know that as a business owner, your business and your personal plans need to work in harmony, which is why we offer a wide scope of business and personal financial planning services.
- Business and personal protectionBuild a strategy to protect your business, your wealth and those you love against changes to the business environment and your ability to earn.
- Exit strategyAlongside your other professional advisers, we’ll help to ensure you have enough money to lead a comfortable lifestyle after the sale of your business.
- Retirement planningPlan for a successful transition to retirement, at the time of your choosing, with the confidence you have enough to enjoy your life.
Tax planning
Take money from your business tax-efficiently and ensure more of your wealth goes on enjoying your life today, and saving for tomorrow.
Senior executives and professionals
Our work always starts with understanding you. That way, we can help you make the best decisions with your money.
We often find that professionals and senior executives come to us with many of the same kinds of challenges. Those challenges may be around tax: how much you pay and how you can maximise all available opportunities to legitimately reduce your tax bill.
You may want to give your children the best start in life with a private education, or you may have ambitions to build your own home or relocate. You may be seeking help readjusting your work-life balance and understanding what you can afford to do.
Whatever your questions are, we will provide you with clarity on exactly what is financially possible and how it can be achieved.
- Planning for lifePinpoint what you want your future and your family’s future to look like and position your money to obtain it.
- Investing for your futureWhether you are a cautious investor or more adventurous, we’ll help you build an investment portfolio aligned to your objectives and your attitude to risk.
- Family protectionGain peace of mind that your loved ones won’t be financially impacted should you lose your health, livelihood or life.
- Tax planningReduce your tax burden and ensure that more of your wealth can go towards helping you achieve your goals.
People planning retirement
Receive expert advice on how to plan for your retirement and explore whether you’re currently on track to achieve the retirement lifestyle you want.
At what age will you be able to afford to retire? What kinds of things do you picture yourself doing once you retire? Will you have enough in the pot to afford the lifestyle you would like?
For some people, retirement can last almost as long as their working life, so it’s important to get the answers to these questions right.
Your strategy should encompass all aspects of what is, for most people, the biggest change in their financial circumstances during their adult lives. That means identifying what you want your retirement life to look like and how you will ensure it is satisfying and fulfilling.
The range of options has never been wider and knowing which opportunities to take advantage of, and when, is crucial. With our help, you can feel in control of your retirement plans and look forward to the future with confidence.
- Pension planningWe’ll review your arrangements and ensure your pension plans are on course to give you the retirement you want.
- Estate planning and trustsEnsure your loved ones will be taken care of at the time of your death, and that Inheritance Tax won’t be a burden where it needn’t be.
- Pension planning for divorceWorking alongside solicitors, we can help you plan for a secure future if your pension plans are affected by divorce.
- Retirement lifestyle planning
We’ll help you identify what you want to achieve from the years beyond work, and how you can organise your finances to fund your ambitions.
People looking for a mortgage
Understand your options and find suitable funding to allow you to buy that perfect property and move forward with your life.
Moving home is an exciting time. But a mortgage is one of the biggest financial commitments you are ever likely to make. You will want to know that the funding for your home will be affordable and the best deal available.
Whether you’re a first-time buyer, or you’re looking to secure your forever home, our experienced and friendly mortgage team will guide you through the process, helping you calculate how much you can borrow, how much it will cost you and how that impacts your other lifestyle and financial goals.
We’re here to help you make sense of your options, and find mortgage solutions tailored to your individual needs.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
- MortgagesOur experienced team have access to the whole of the market, giving you a better chance of finding a funding solution that is affordable and fits with your long-term goals. Our goal is to ensure that you’re not paying any more in interest or fees than you need to be.
- Equity releaseReleasing capital tied up in your house through an equity release product can be one way to do the things you want to do in life. But you will want to feel sure you’re making the right decision for you. Our emphasis on personalised service and ongoing client relationships means every decision is based on a deep understanding of you and your big picture objectives.
- With you every step of the wayWe know securing that dream property isn’t always a walk in the park. We’re here to make the journey as smooth as possible. From initial credit check, to keys in your hand, we will take as much of the strain from you as possible.
- ProtectionGain peace of mind that your loved ones and your property are protected. We don’t push our clients into expensive, one-size-fits-all insurance products, but carefully design a strategy that fits around your life and all those people who are precious to you.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments