A Reputation for Reliability
Capital Independent Financial Consultants Ltd was established in 2003 to provide high quality, ongoing Independent Financial Advice. Our aim was to build a sustainable business with a commitment to maintain long-term relationships with our clients by aligning our interests with theirs.
We always act with integrity, we listen and respond to our clients’ needs, maintaining the highest ethical standards and complying with our professional and legal obligations at all times.
Although our approach is traditional, we use the latest technology to enable us to carry out comprehensive research to find the best possible solutions for our clients.
“I understand the trust placed in me by clients and I don’t take this responsibility lightly – I treat clients the way I would like to be treated and always do the best I can for them. Over the years I have been grateful for the many loyal clients who have recommended me to others.”
Nick McCourt - Owner & Founder
What We Offer
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You’ll receive a bespoke service, tailored to your precise needs over the long term. We will take time to explain our advice in detail and ensure that you understand the research which led to our recommendation.
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We don’t provide our own financial products so you can be sure you’ll get independent, fee-based advice on the widest possible selection of relevant pensions and financial planning products.
With our Holistic Financial Planning approach, we will look at all aspects of your personal and financial life, before creating a plan for your money. We’ll take into account where you are, where you want to be and then create a plan to help you get there.
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Tax efficient investing is a really important part of effective financial planning. We’ll ensure that your investments are set up in the best way for your specific circumstances utilising the full range of financial products available to you. Good planning can help you to reduce your Income Tax liability, save on, or avoid Capital Gains Tax, and put into place a plan to reduce your Inheritance Tax. Using a combination of products to make full use of the allowances available to you can be very worthwhile.
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Expert pension planning advice can help you to understand and make best use of all the options which are now available. We offer completely impartial pension planning advice to help you maximise your pension savings during your working life using products and providers from the whole of the market. We can help you make the most of the pension savings you have accumulated during your working life, both from employer schemes or in personal pension plans. We’ll advise you on all your options in terms of guaranteed income and/or drawing flexible income and taking lump sums.
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We can advise you on a range of financial matters, whether you’re planning for your retirement, saving and investing, looking into later life income options or protecting your wealth and exploring how to pass it on to your loved ones. Reviewing your current arrangements to ensure they’re working for you and, if necessary, researching and recommending complementary or alternative plans is important to us.
The value of your investment can go down as well as up and you may not get back the full amount invested.