Karl Lavery planner profile

•               Certified Financial Planner (CFP)

•               Advanced Financial Planning Certificate (AFPC) including:

•               Taxation and Trusts (G10),

•               Personal Investment Planning (G20),

•               Pensions (G60),

•               Management & Supervision (H15)

•               Certificate in Mortgage Advice (CEMAP),

•               Long Term Care (CF8)

•               Pensions Simplification (CF9)

Ideal clients

Busy professionals and business owners for whom time is valuable and who understand the importance of ensuring impartiality through paying their planner for the advice they receive. They do not appreciate or trust advice from which the adviser is remunerated through commissions from a product provider.

Individuals who wish to plan to achieve their objectives with the best overall outcome for themselves and their loved ones, in any scenario, be it good health, ill health or death.  (Such individuals are the most suitable for Holistic Financial Planning).

Those who have monies invested and who are disillusioned with the conventional offerings they have encountered and are seeking a better, more co-ordinated way to run their wealth and affairs. 

Busy professionals, Trustees and business owners.

Those with established wealth, seeking to plan to ensure it meets their requirements during their lifetime, whilst ensuring it passes in cost and tax efficiently, for the benefit of their chosen beneficiaries. Creating the desired degree of control, security and risk mitigation in doing so.

Most work conducted on an hourly rate, though some tasks are on a fixed percentage. All rates and estimates available upon request.

As a Holistic Financial Planner with 21 years industry experience, I work on a fee basis as I believe it is the only way to guarantee objectivity and impartiality when advising clients on their affairs. I say this as it is my belief that remuneration through commissions from products is likely to lead to product driven solutions.

My role is to do for clients that which they would do for themselves, if they had the time, inclination and expertise, thus acting as their advocate, facilitator and financial mentor in looking at the 'big picture'.

I specialise in being an 'out of the box', rounded thinker, who gets to the truth, enabling clients to make informed decisions.

Where appropriate, I challenge convention, not being concerned with tradition and it's perceived wisdoms' unless it is deserved. After all, Mark Twain wisely noted, ' what gets us into trouble is not what we don't know, it's what we know for sure, that just ain't so'.