OUR SERVICES
Building, Managing and Protecting Wealth
We offer a range of services for personal clients, business owners, couples, individuals and families. From Mortgage and Investment Advice to Retirement and Inheritance Tax Planning, our expertise and experience allows us to advise people from all walks of life.
Based in Ramsbottom, our financial advisers have clients throughout the North-West. For a friendly chat or to find out more about what we can do, call us on 01204 238 500, use the form at the bottom of the screen or email us at enquiries@holcombefinancialservices.co.uk.
What Makes us Different...
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We take the time to listen to our clients and provide outcome based advice
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Our technical skills combined with our interpersonal skills help to provide accurate solutions at all levels in a comfortable environment.
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Our business is Chartered and Independent so we are fully focussed upon being the agent of our clients and not the investment/insurance company
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One of our greatest strengths is our ability to deal with real people and businesses; we don’t have an ideal client – we are able to shape our services around you.
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​Our team utilises the very best cashflow modelling systems and techniques to ensure that our clients have a clear and accurate financial plan both now and in the medium / long term. This is crucial for business owners, those with wealth that needs to be managed and those that are approaching or are in retirement. If drawing an income from your provision for example, we provide a clear plan for the coming months but also a plan for your lifetime to ensure affordability. This is then regularly reviewed.
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We have an ongoing commitment to Continuous Professional Development (CPD) which demonstrates our wide range of skills and experience and our determination to make every client pleased that they found us.
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We have many years of industry experience within and outside of the high street banks that gives us the wealth of knowledge required to deal with all types of financial situations.
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Introduction to our Investment Process and Philosophy. This outlines our beliefs about investment and explains our approach to advising you on managing your money, both initially and on an ongoing basis. It also helps you understand how you can become involved with investment decisions.
Fees...
The first meeting with Holcombe Financial Services is provided at our cost. Our Wealth Management costs are transparent. They are based upon the type of advice you require and the amount of assets you invest. All clients are treated fairly and subject to one charging structure which can be paid directly or facilitated by your investment. Mortgage and Insurance business is provided on a commission or fee basis, or a combination of the two.
Financial Planning:
How it should be
Specialising in wealth management, our advisers can offer bespoke financial advice which spans both personal and business needs if required. With a team of experienced friendly faces we can help give you clear guidance, and cut through the complex questions to give you everything you need to make informed decisions. Organising and managing your wealth into a bespoke plan that you can rely on both now and for your lifetime is our priority.
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If you are approaching, are at or are in retirement then our services are designed for you. This is also true if you have wealth at any stage in life that needs to be organised in the best way. Our detailed cashflow models give you the ability to see exactly where you stand with your finances. This can both discipline those that need it in terms of spending or as is more common, enable you to spend freely and sup[port you to be able to live the lifestyle that you desire.
For Business Owners, our trusted financial planners consider your personal wealth and the health of your business as one, so you have a comprehensive overview of your financial position.
We advise business owners on all aspects of corporate financial planning, from running your business tax efficiently, managing risk, looking after your people and, when the time is right, helping you plan a successful exit strategy. And at the same time, we specialise in personal financial advice that supports your lifestyle today, and in the future. With the right advice your planning should extend seamlessly from your business interests to your own personal finances.