Bob Wells Dip PFS Certs CII MP/ER

Bob Wells Dip PFS Certs CII MP/ER Maximising wealth opportunities with sustainable, results-driven methods

Wealth Manager, IFA, Financial Planner, ESG and Teacher's Pension Specialist

As a Financial Planner and Wealth Manager, I help successful people to set and meet their financial goals, ensuring their financial well-being both now and into the future. I know my clients are good at what they do - as experts in their fields, they know professional advice enables them to keep their eye on the ball and get exceptional results. Nowhere is this more critical than in the ever-chang

ing complexities of finance, tax, and investment. At the One Financial team, we bring expertise, experience, first-class analysis, and the very latest technology to the table for our clients. We have a unique process designed to deconstruct, analyse, and then reconfigure our clients’ financial planning. We take time to get to know your goals, then we get to work on your behalf, minimising tax and protecting against risk, and maximising wealth opportunities in a sustainable way. I am based in Cheltenham and cover the South of England, South West and London – although I my clients can choose how we work together, whether they prefer remote engagement, using video conferencing, or meeting face to face in London and Cheltenham. As a member of the Chartered Insurance Institute (CII) I am fully qualified (DipPFS Certs MP&ER) to provide regulated financial planning, mortgage, and equity release advice. I specialise in the following:

-Investment planning and management
-Retirement planning and Pension planning
-Extraction strategies for Business Owners
-Life insurance and serious illness protection
-Inheritance
-Tax planning or Estate Planning
-Tax mitigation strategies
-Risk management
-School/University Fee Planning
-Business and General Insurance
-Employee Benefits

If I gave you £1,000 on the condition you paid it into you pension by the end of the day would you know what to do? …. O...
06/03/2022

If I gave you £1,000 on the condition you paid it into you pension by the end of the day would you know what to do? …. Or would you be handing it back to me by the end of the day?

Your pension is going to be the source of your income when you stop working. It will determine whether you have a positive retirement or spend it in worry and discomfort.

You ARE going to get older and retire. You simply can't afford to put off getting 'on it' with your pension any longer.

Here are some questions that will help you judge how ‘on it’ you are.

• How much exactly (to the nearest £1) do you pay into your
pension each month?
• How much (to the nearest £1) does your employer pay in to
your pension each month?
• What is the maximum contribution you can make into your
pension each month that would be matched by your employer
(how much free money is your employer willing to give you)?
• Do you know how much your pensions are worth?
• Are you aware of how your pension is invested and whether
it’s in line with your attitude to risk?
• Is it invested in a way that aligns with your ethical and moral
preferences?
• Do you know what fees you are paying for your pension? How
much do the fees add up to to the nearest £1?
• How has your pension performed?

There are all questions you should know the answers to but you certainly aren’t alone if you don’t.

Most people pay in to a pension but have no idea of it’s value, what it’s invested in and what the end goal is.

BUT you must get on top of this and the time to start is now.

Whether it be me or any other adviser, seek advice, put a plan in place and get to work on it.

The sooner you put a plan in place the better. If you’d like to have a chat, drop me a message, I’d love to see if I can help.

The truth is, we spend a huge amount of our lives at work but very few people have a plan in place to be able to retire ...
18/02/2022

The truth is, we spend a huge amount of our lives at work but very few people have a plan in place to be able to retire on their own terms.

If you are paying into a pension, why?
Are you paying in enough?
What age are you able to retire?
Do you know how much income you are going to require for the retirement of your dreams?
Have you put a plan in place to get there?

These are all questions you should be asking yourself. So many people go through their working lives paying diligently into a pension, having no idea what the end goal is.

How nice would it be to know exactly when you are able to retire and on what level of income!

Whether it be me or any other adviser, seek advice, put a plan in place and work to it. We are all along time at work not to have the retirement we all dream of.

The sooner you put a plan in place the better. If you’d like to have a chat, drop me a message, I’d love to see if I can help.

Use them or lose them!Successful investors make sure they use their tax allowances to the their full advantage. It's an ...
29/01/2022

Use them or lose them!

Successful investors make sure they use their tax allowances to the their full advantage. It's an opportunity they don't let slip away. Make sure you use yours before the tax year ends on the 5th April.

Have you made optimal use of your:

Pension Allowance
ISA Allowance
Junior ISA/CTF Allowance
Capital Gains Tax Allowance
Annual Gift Allowance and other exemptions (Inheritance Tax)
Dividend Allowance
Personal Allowance
Personal Savings Allowance

Implementing a tax strategy can help you grow your wealth and savings. Remember the 'magic' effect of compounding over time...these savings and efficiencies can make a profound difference.

Get in touch to discuss how you can make the most of your allowances before this tax year times out.

The world is facing many challenges and people are are increasingly starting to see that their investments give them rea...
29/01/2022

The world is facing many challenges and people are are increasingly starting to see that their investments give them real influence and making sustainable investments is the 'right thing' to do. This is why movements into ESG investments are gaining real critical mass.
Why the shift?

- According to research by Make My Money Matter, Aviva and Route2, getting a green pension can be 21 times more effective in cutting your carbon footprint than giving up flying, going vegetarian, and switching to renewable energy combined. In fact, this research shows it’s the most powerful step an individual can take to reduce their carbon footprint.

- A realisation that ethical investment does not have to come at the cost of long-term returns. In the long term, businesses that have high standards are those that are likely to thrive in the future.

- ESG investing is not just a passing trend, you'll still be investing in the greatest companies of the world, yet they pass through intensive ethical scrutiny to ensure only those that align with your values enter your portfolio.

How can I help you?

With the right plan in place, you will feel more confident about your financial future, knowing that you are making the greatest positive impact at the same time.
I encourage people to differently about their money. I help them build wealth by focussing on their asset shortfall and using that growing wealth as a force for good.
If you’d like to have a chat, drop me a message, I’d love to see if I can help.

Address

Festival House, Jessop Avenue
Cheltenham
GL503SH

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