Mike Dickenson - IFA

Mike Dickenson - IFA Providing Retirement Planning | Life Insurance | Consolidation | Across the North West

Long day in the Big Smoke for me yesterday with my new Network, and Scottish Widows . Lots learned and a very bright fut...
12/12/2025

Long day in the Big Smoke for me yesterday with my new Network, and Scottish Widows . Lots learned and a very bright future ahead! Many thanks to all involved, and I look forward to the next conference in January!!

My home for the next 5 hours. Thankyou so much to Hollie Appleton at Vitality UK for the invite, and Luke and Chloe for ...
30/08/2025

My home for the next 5 hours. Thankyou so much to Hollie Appleton at Vitality UK for the invite, and Luke and Chloe for completing the group. Didn't get photos unfortunately, but will do next time!

03/08/2025

I know it's not work, but I've had worse Sundays! My son has been doing Brazilian Ju Jitsu for 4 months and entered his first INTERNATIONAL competition at Blackpool Tower today. 3 wins and a narrow loss + bronze medal = proud dad!!

💷If you earn £50.000 a year, over the next 30 years, that’s £1,500,000.Let that sink in.Your ability to earn an income i...
07/07/2025

💷If you earn £50.000 a year, over the next 30 years, that’s £1,500,000.

Let that sink in.

Your ability to earn an income is probably worth more than your house, car and investment portfolio combined.

Yet here’s what I see all the time:
✅People happily insure their £500,000 home
✅They make sure their £75,000 car is fully covered
❌But when it comes to protecting their ability to earn thousands of pounds over their lifetime? Nothing.

🏥What happens if illness or injury pulls the rug out from under you? How would your family cope?

Income protection and critical illness cover aren’t just “nice-to-haves”, they’re essential parts of any solid financial plan. Because income is the foundation of everything else.

If you’ve insured your house🏠, but not your income💷, it might be time to call us.

👀 We all know a Bob.Same age.Same job.Same salary.But two completely different futures.✨ One is calm, clear, confident.😩...
02/07/2025

👀 We all know a Bob.
Same age.
Same job.
Same salary.

But two completely different futures.
✨ One is calm, clear, confident.
😩 The other is stressed, overwhelmed, unsure.

👉 Why?
💡 Because even if two people start from the same place on paper, their mindset about money, time, and planning makes all the difference.

Here’s the truth:
⏳ The earlier you start, the lighter the lift.
✅ Start investing at 30? Maybe £500/month.
⏰ Wait until 40? That could double.

It’s not about timing the market.
It’s about time in the market.

🔁 Plan your life—or your life will plan you.
🔍 Reverse-engineer your ideal retirement.

💬 Most people don’t regret what they did…
They regret not starting sooner.

💰 Compound interest rewards the patient, and the consistent.

🚫 Consumer debt? The enemy of wealth.

You don’t need a perfect plan.
But the worst plan is no plan at all.
👊 Help your future self thank you.👍🏻

Bob thought his pensions were quietly growing. Turns out, they were quietly slowing down!📉Like many people, Bob had old ...
27/06/2025

Bob thought his pensions were quietly growing. Turns out, they were quietly slowing down!📉
Like many people, Bob had old workplace pensions he'd never really looked at.

He didn't pick the investments. 💷📜
He just left tham sat in the default fund.

Sounds harmless, right?
Until we discovered they were in a "lifestyle" strategy. 👨🏻‍🦳

That means:-
- His money was being shifted out of equities ➡️
- And into bonds and cash - 20 years before retirement! 💷📜

The idea? Reduce risk.
The problem? Reduce growth too. 📉

Retirement isn't a finish line, it could last 30+ years. Yet Bob's pension was being treated like he'd need all the cash on Day 1! 💰💰💰

What we can do:-
- Review his old pensions 👀
- Switch out of lifestyle funds ➡️
- Build a growth-focused strategy that matches his goals 📈

Now, his money works harder, just like Bob did to earn it.💪🏻💪🏻
Your pension could be your boggest asset 👍🏻
Make sure it's invested like one! ✅✅📈💷💷

Investments and any income from them can fall as well as rise, and you may not get back the original amount invested.
07/06/2025

Investments and any income from them can fall as well as rise, and you may not get back the original amount invested.

29/05/2025

Investments can fall as well as rise, and you may not get back the original amount invested.
⬇️Are you a Mark or a Julie??⬇️ Either way, it's important to keep on top of your pensions. By consolidating you could save money on fees and charges, have more flexibility in retirement, keep things simple and easier to plan.

Address

North West
North West

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 10am - 6pm
Sunday 10am - 6pm

Telephone

+447887983765

Website

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