Expert Financial Solutions for Your Future
Tailored financial solutions to help shape your future
What we offer
We provide expert financial advice to help you plan for retirement, secure the right mortgage, protect your loved ones, and manage your wealth with confidence. Whatever your goals, we make the complex simple.
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Pensions & Retirement Planning
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Retirement is a major milestone, and whether it’s approaching soon or still some years away, the right planning can make all the difference. At Changing Futures, we focus on making this journey clear and simple. We understand the emotions and uncertainty that come with such a significant life change, and our goal is to provide you with the confidence and clarity you need.
Using advanced cash flow modelling software, we’ll assess how long your current savings will last based on your spending needs, helping you visualise a secure financial future. From there, we’ll create a tailored financial plan that ensures your retirement is not only sustainable but tax-efficient.
We’ll also continue to work with you long after the initial plan is in place—meeting at least annually to review your progress, adjust for any changes, and stay up-to-date on the latest legislation to keep your strategy optimal.
Mortgage Advice
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Securing the right mortgage is a key step in your property journey, whether you’re buying your first home, moving up the ladder, or expanding your investment portfolio. At Changing Futures, we provide expert advice and access to a wide range of lenders to help you find the most suitable mortgage for your needs.
For first-time buyers and home movers, navigating the mortgage market can be overwhelming. We simplify the process by guiding you through every step—from understanding affordability to securing the best possible terms. Whether you’re looking for a competitive rate or need flexibility in your mortgage, we ensure you make informed decisions with confidence.
For landlords and property investors, securing the right mortgage is about more than just the rate—it’s about structuring your portfolio for long-term success. With our founder being a property investor himself, we understand the complexities of buy-to-let financing and can help you find the most suitable products to support your investment strategy.
Whatever your mortgage needs, we’re here to help you move forward with confidence.
Protection Planning
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Life is unpredictable, but having the right protection in place means you and your loved ones are financially secure no matter what happens. During all of our services, we stress-test your financial plan to ensure you’re covered in case of unexpected events such as job loss, illness, or death.
These aren’t things anyone likes to think about, but we make it simple. We’ll help you understand how your family would cope in different scenarios and identify any shortfalls, offering practical solutions for peace of mind. It’s about having a plan B, so you can focus on living without worry.
Trusts & Estate Planning
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Estate planning isn’t just about passing on money as inheritance. For us, it’s also about enjoying life now and ensuring you have enough to live well. We stress-test your estate plan to make sure your wealth is structured efficiently and your loved ones are secure when the time comes.
These aren’t things we like to think about, but our approach is built on a deep understanding of what truly matters to you. We’ll explain everything clearly, help you identify any shortfalls, and put the right plans in place—so you can have peace of mind for the future.
Future Focus Review
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Financial planning isn’t just about where you are today—it’s about where you want to be. Our Future Focus Review is a one-time, in-depth financial assessment designed to give you clarity on your short, medium, and long-term goals, along with a detailed action plan to help you achieve them.
We’ll review your savings, investments, pensions, and overall financial position, ensuring everything is aligned with your ambitions. Whether you're looking to build wealth, plan for retirement, or learn how to invest, we provide clear, practical steps to put you on the right track.
Unlike ongoing advisory services, this review is designed to empower you with a structured plan to manage your own finances. If needed, we can also assist with setting up any accounts, investments, or policies to bring your plan to life.
Start your journey
Reach out today for an initial conversation to see if we’re the right fit and discuss the next steps.
It’s a relaxed, no-obligation chat, nothing formal, just a chance to connect.