Financial Advisers (Independent) in Chorley

Local Firm of Independent Financial Advisers covering Pensions, Investments, Mortgages and Insurance products

MML Financial Associates has a vision to become the premier provider of independent financial advice in the north west of England. We will achieve this by maintaining our company ethos of building long-term relationships with clients and providing the very best level of service. We are open and transparent and intent on treating our clients fairly and becoming their trusted Financial advisers.

Planning for your present and future is a journey and along the way it requires for specialist advice. We might have to work in conjunction with other professional business advisers such as solicitors and accountants, to ensure you get the best possible solution to your needs, as the phrase "one size does not fit all" really is true.

MML Financial Associates believes that financial planning should be conducted on a holistic basis rather than reviewing individual areas. We believe in providing appropriate advice on the whole of your finances, rather than simply looking at one part in isolation. We therefore look at the bigger picture when determining the most effective way for you to achieve your financial objectives.

The first step in providing a holistic financial planning service is to gain a full understanding of your circumstances, objectives and attitude to risk.

Our financial planning process involves using the information we have obtained to produce a comprehensive financial plan. Within this plan there may be various strategies such as wealth management, pensions and tax mitigation that all need to combine to meet your financial goals.

We work alongside our clients, monitoring your finances on a continual basis and adapting to any relevant changes, such as in your circumstances or legislation.

A key component of our financial planning service is the mitigation of tax. This could include inheritance tax, capital gains tax, or income tax planning. In more complex cases we often work alongside professional service firms, such as accountants and solicitors. We are happy to work alongside a client's existing professional advisers or can, if necessary, recommend an adviser from our range of contacts.

Just as important as ensuring your investments perform to your expectations, paying as little as possible for any borrowing is essential.

Whether it be for commercial or residential purposes, a regular review to ensure you are not paying more than you need is key. The simple question is: why pay more money to a lender than you need to when you can have it in your pocket?

MML Financial Associates can advise you on the most appropriate way to structure your borrowing from both a tax perspective as well as the most competitive terms from the whole market.

If you read the financial press, leaving your occupational pension with a previous employer may or may not be in your best interest, depending on the status of the scheme. In our opinion it is good financial planning to review this area on a regular basis to ensure that your pension in retirement meets your expectations.

We are here to help all businesses to grow and develop and are happy to help in what ever way we can.

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