Goodwin Financial Services

Goodwin Financial Services: financial advice in Leighton Buzzard

Goodwin Financial Services Limited is a financial advice firm based in Leighton Buzzard, in the English county of Bedfordshire. Its activity is organised around personalised financial planning and covers areas such as savings and investment, pensions, mortgages, wealth management, taxation and protection, for both individuals and businesses.

The firm describes its method of working as a sequential process that begins by getting to know the client's personal and financial situation, continues with the definition of objectives and ambitions, analysis of the current position, presentation of a personal financial plan, its implementation and, finally, periodic review of progress. The site stresses that understanding the client's financial situation is the basis for formulating a plan that responds to their future needs.

Financial planning, savings and investment services

The financial planning area is presented as the axis that articulates the rest of the services. In the savings and investment section, the firm details products such as regular saving plans, capital investment bonds, offshore collectives, Junior ISAs, national savings products, endowments, ISAs, equities, collectives, unit trusts, OEICs, investment trusts and fixed interest investments.

Pensions and retirement planning

Goodwin Financial Services addresses retirement planning with a broad catalogue of solutions. These include final salary pensions, cash equivalent transfer value (CETV), death benefit options, restrictions on pension contributions, the National Employment Savings Trust (NEST), occupational pensions and auto enrolment, annuities, income drawdown or unsecured pension, personal pensions, stakeholder, state pension, SSAS, executive pension plan, SIPP and long term care planning.

Wealth management and taxation

In wealth management, the firm mentions relationship management, trust information, lasting power of attorney, single asset or multi-manager funds, and tax-efficient vehicles such as Venture Capital Trust (VCT) and Enterprise Investment Scheme (EIS), as well as inheritance tax. The taxation section covers income tax, capital gains tax and inheritance tax.

Personal and business protection

Protection is divided into two areas. For individuals, the firm lists life assurance, family income benefit, income protection, private medical insurance, critical illness, landlord insurance and cover for military personnel. In the business area, it offers key person protection, share protection, directors' and staff benefits, income protection, relevant life cover, employers' liability and professional indemnity.

Mortgages and equity release

The mortgage catalogue includes repayment mortgages, first time buyer, remortgaging, standard variable rate, fixed rate, tracker, cashback, offset, second charge, buy-to-let, self build, retirement interest only, high-value, second properties, self employed, let-to-buy, limited company lending, holiday let, bad credit mortgages and equity release. Within equity release, lifetime mortgage, home reversion plan, drawdown lifetime mortgage, home income plan and their associated costs are detailed.

Life stages and calculators

The firm structures its advice according to the client's life stage: foundation stage (ages 18-30), mid-life stage (30-50), pre-retirement (60-65), retirement (65+), late retirement (80+) and end of life and estate planning stage. The site also offers calculators for investment, inheritance tax, relevant life, tax, mortgages (borrowing, repayment, overpayment, stamp duty, how much it will cost, how much can I borrow) and equity release, along with FAQs, useful links, research, portfolio and market data sections.

Location and contact

Phone: 01525 851150 · Email: info@goodwin-financial.co.uk