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Financial Planning

Clarity and purpose for your finances going forward.

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Download Financial Planning Matters: Summer 2021 [pdf]

Financial Planning Matters: Summer 2021

Our newsletter features articles on

  • The top five benefits of International Bonds – are you missing an opportunity?
  • Cryptocurrency – why is it making the headlines?
  • Your trusted advisor for life
  • Personal Finance Portal giving you access to your finances 24/7
  • Scams and hackers: please be aware and act with caution
  • Client Listening Programme 2021
  • Tribute to Stuart
Download Financial Planning Matters: Summer 2021 

You can also read Financial Planning Matters Winter 2020 edition here.

Your trusted advisor for life.

Using a case study of Paul and Susan Wells and their family, we take you on a journey highlighting their key life stages, the financial issues that arise at each stage and how we are able to support them through careful planning and advice.

Follow Paul and Susan's life journey

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Our team

We are independent whole-of-market financial advisors, providing impartial services to our clients. We specialise in delivering well-researched, unbiased solutions from the whole of the market because we neither promote nor manage in-house investment services or products.

Our advisors are professionally qualified to give independent financial planning advice. We are regulated by the Financial Conduct Authority, giving you assurance of our service quality.
Our services
Tax efficient investments
Retirement planning
Investment solutions
Pensions
Inheritance and estates
Financial protection
Business protection
Employee benefits
Tax efficient investments

Investment schemes offering tax incentives

  • Enterprise Investment Schemes (EIS)
  • Venture Capital Trusts (VCT)
  • Business Property Relief (BPR)
  • Individual Saving Accounts (ISA)
  • Inheritance tax portfolio services
Retirement planning

Solutions for pre- and post-retirement planning

  • Pension consolidation/transfers
  • Personal pensions
  • Self-Invested Personal Pensions (SIPP)
  • Small Self-Administered Schemes (SSAS)
  • Annuity purchase
  • Pension income drawdown
Investment solutions

Providing growth and income solutions

  • Individual Savings Account (ISA)
  • Unit Trusts
  • Open-Ended Investment Companies (OEIC)
  • Discretionary managed services
  • Offshore and onshore bonds
Pensions
  • Group Personal Pension Schemes (GPP)
  • Executive pension arrangements
  • Defined contribution company pension schemes
Inheritance and estates

Mitigating inheritance tax on your estate

  • Trusts: discretionary, absolute and discounted gift
  • Life assurance protection of gifts and estates
  • Shareholder disputes: valuing businesses and asset
  • Business property relief solutions
Financial protection

Helping you protect your lifestyles

  • Life assurance
  • Mortgage protection
  • Critical illness cover
  • Whole of life cover
  • Income protection
Business protection

Reducing risk with sensible solutions

  • Key person protection
  • Share protection
  • Business loan protection
Employee benefits

Giving your staff benefits that matter

  • Group death-in-service schemes
  • Group income protection
  • Group medical insurance

Industry recognition

"He is excellent in terms of his manner with clients and they are pleased with the advice provided. He is a very clever guy, he has sophisticated clients and looks after them very well."

"They have a wide coverage of services; from an international point of view they have always done a good job for our clients."

"They give clear, sensible advice designed to maximise the benefit for clients. I have found the people including support staff, are not only extremely competent but  empathetic and human."

"He is excellent in terms of his manner with clients and they are pleased with the advice provided. He is a very clever guy, he has sophisticated clients and looks after them very well."

"They have a wide coverage of services; from an international point of view they have always done a good job for our clients."

"They give clear, sensible advice designed to maximise the benefit for clients. I have found the people including support staff, are not only extremely competent but  empathetic and human."
How we handle complaints

We take great pride in the way that we deal with our clients, but we do accept that sometimes things do not go as well as we would hope. Should this happen, we would hope to spot the problem early on and rectify matters without any inconvenience to you. However, should you ever wish to register a formal complaint, please contact Phil Smithyes explaining the nature of the problem either in writing to:

Crowe Financial Planning UK Ltd at:
Aquis House
49-51 Blagrave Street
Reading
Berkshire RG1 1PL

or by telephone on 0118 959 7222

On receipt, your complaint will be acknowledged and you will receive a copy of our complaints handling procedure. The matter will then be investigated in line with that procedure and our findings will be reported to you in writing.

If you cannot reach agreement with us, you may be entitled to refer your complaint to the Financial Ombudsman Service, subject to certain time limits, unless the complainant is a business with turnover over €2 million or at least ten employees, a charity/trust with income/assets over £1 million, or a professional client.

The Financial Ombudsman Service is an independent service in the UK for settling disputes between businesses providing financial services and their clients.

Full details of how to refer a complaint to the Financial Ombudsman Service are shown on their website. We also provide those details as part of our final response when we complete our investigation of any complaint.

Contact us

Phil Smithyes
Phil Smithyes
Partner, Head of Financial Planning
Thames Valley