01788 432 099 info@cygnusfp.co.uk

Invest In Your Future

When it comes to retirement 34% of people worry about running out of money*.

We deliver financial planning so you can live confidently.

HOW WE DO THINGS

Welcome to Cyngus FP

Retirement and Later Life Financial Planning

As specialists in retirement strategies and later life planning, we bring clarity to our clients’ lives across East Anglia, the Midlands and London.

Depending on when you meet us you may still be working or perhaps you’re deep into retirement with some later life concerns.
Whatever stage you’re at, we’ll use our expertise to help you understand how best to solve your problems in an empathetic way.

If it matters to you, it matters to us.

we do the hard work so you always know where you’re headed and can feel assured about your future prospects.

ABOUT US

Business Owners & Directors

You work hard on business strategy and planning but how much of your time is spent thinking about your personal wealth?

Whether it’s more time or an eye on an exit, we help our clients formulate a strategy to convert business ownership/high earnings into enduring personal wealth.

We can help you

Organise business and personal finances

Formulate an exit strategy

Make sure the business and your family are protected against identifiable risks

Identify tax efficient remuneration plans

Considering Retirement

Am I saving enough? Will I have enough? What can I spend?

These are big questions and we work closely with our clients to truly understand how they want to live.

We can help you

Identify what your likely possibilities are

Work out a strategy to improve your potential outcomes

Calculate a range of possibilities given various market conditions

Identify tax efficient savings plans

Retired

At this point in life, you may have much more free time to fill. Many of our clients pursue a range of hobbies and interests, in amongst spending more time with friends as well as family.

To ensure resilience toward potential later life challenges, a strategy is central to ensuring you’re able to see retirement through, both without exhausting your capital and/or leaving a lot behind.

We can help you

Make sure your finances are likely to prove sustainable and resilient

Create an effective spending plan so your capital is used most effectively

Make sure you’re not overpaying for substandard outcomes

Draw up a plan so that your capital goes where you want it to upon death

Later Life Planing

Will I be impacted by inheritance tax? Can I gift money? How will I be cared for (and how will I pay for this) if my health deteriorates?

Growing older often comes with big decisions to make. We can help you plan effectively for care if it’s needed and are SOLLA accredited, showing our commitment to delivering the best outcomes when it comes to this type of planning.

We can help you

Balance the desire to help others (and mitigate inheritance tax) with the need to help yourself

Formulate a strategy to meet the costs of care

Identify what benefits might be available to you in later life

Avoid worrying about placing a burden on others in your later years

*Source: LV= Wealth and Wellbeing Monitor

ALWAYS AVAILABLE TO GUIDE US

It’s extremely comforting to know that Jon-Paul is always available and willing to answer any questions or concerns we may have and guide us through his thinking process. I’d feel a lot less confident about our investments if it weren’t for him.

Always On Hand

We are very pleased to have Pat at Cygnus Financial Planning as our financial advisor. He has provided us with a professional service and explained to us in layman’s terms, that we understand, the complexities and requirements of our investment portfolios.
Pat has been always on hand to give us advice when we need it and we are very pleased with the services he has provided us to date.

Personal & Targeted

My previous financial advisers had become distant, remote and impersonal. In contrast the service provided by Cygnus is more personal, more targeted and more hands on.

OUR BELIEFS

More Signal, Less Noise

We’ve worked in the profession for long enough to know 99% of what’s said is of little help; we place our attention on the 1% that matters.

More signal, less noise.

We believe it is how we approach our relationships with clients that’s important.

The following strategic aims underpin everything we do; from the quantitative research through to the advice we put in front of you.

VALUE
IMPARTIALITY
SIMPLICITY
CLARITY

VALUE

Give more than we take. Speak less, listen more. Be there when you need us.

We specialise in key areas and aim to be amongst the best at what we do.

By keeping our client numbers at a modest level we’re able to provide exceptional service to those we serve.

This all adds up to delivering the best outcomes for our clients and exceptional value for money.

IMPARTIALITY

Financial Advisers may be ‘restricted’ or ‘independent.’

Our independence allows us to recommend what is best suited to you, from the whole of the market; not just what a company will allow us to offer.

To further reduce conflict we charge fixed initial fees and cap our ongoing charges.

At each stage, our advice, strategy and planning can only ever be about you as the only payments we receive are from our clients.

SIMPLICITY

We identify what’s needed for our clients to ensure they’re resilient both now and into the future.

Many clients (and many professionals) rely on serendipity to carry them through; hope is not a good strategy.

We can’t reduce everything to a simple solution but we’ll make life as easy as possible; we’ll always be honest about your prospects, even if that isn’t what you want to hear.

CLARITY & EDUCATION

Your money is only worth what value you put on it.

We listen to you, challenge your thinking and provide rigorous analysis. We aim to understand your values, then provide clarity, assurance and calm to your situation.

Clients we work with receive a strategy outlined in plain English and periodic contact allows us to monitor progress, making tweaks as required. No sales pitch just robust strategies, delivered clearly.