Business Details
32 Years
experience
Trusted Independent Financial Advisers in Barrowford
Christina Clegg Financial Planning Services has been delivering independent financial advice since 1994, combining decades of industry expertise with a client-centric approach. Our team, with over 100 years of collective experience, specialises in pension reviews, inheritance tax planning, and estate management, operating under the regulatory oversight of the Financial Conduct Authority. We prioritise transparency, offering free initial consultations to understand client needs before providing tailored recommendations.Our commitment to excellence is evidenced by 11 consecutive years of top ratings on VouchedFor, with nearly 400 five-star reviews highlighting our straightforward advice and client satisfaction. We maintain strong partnerships with Throgmorton Capital Management Limited to ensure comprehensive financial solutions while adhering to strict ethical standards.
Services
Pension Reviews
Inheritance Tax Planning
Estate Management
Financial Advice
Pension Transfers
Details
- Year established: 1994
Highlights and features
- We offer 25+ years of experience in independent financial advice
- Our team holds FCA-authorised qualifications for regulatory compliance
- Free initial meetings with no obligation for all clients
- 4.8-star rating from 400+ client reviews on VouchedFor
- Specialist knowledge in pension transfers and tax-efficient estate planning
Associations and certifications
- Financial Conduct Authority
What people say
Highly recommended
Friendly and approachable
Thorough and clear explanations
Excellent service
Trustworthy advisors
Services
Pension Reviews
Our pension reviews provide comprehensive analysis of existing arrangements, including state pension forecasts, personal pension details, and defined benefit schemes. We assess transfer values, death benefits, and investment performance to ensure alignment with retirement goals. Clients receive detailed projections and actionable recommendations to optimise their pension outcomes.
Inheritance Tax Planning
We specialise in minimising inheritance tax liabilities through strategic estate planning. Services include nil-rate band optimisation, trust creation, and gifting strategies. Our advisors help clients understand current allowances, residential nil-rate bands, and exemptions to preserve wealth for beneficiaries while maintaining compliance with HMRC regulations.
Estate Planning
Our estate planning services encompass will creation, lasting power of attorney arrangements, and trust management. We coordinate these with financial plans to ensure seamless asset distribution. Clients benefit from reduced legal costs and expedited probate processes through our integrated approach combining financial and legal considerations.
Financial Advice
We provide holistic financial advice covering investment strategies, protection policies, and retirement income planning. Our FCA-regulated advisors create customised roadmaps considering market conditions, risk profiles, and long-term objectives. Regular reviews ensure ongoing alignment with changing personal circumstances and regulatory environments.
Pension Transfers
We facilitate pension transfers between schemes while maintaining regulatory compliance. Services include assessing transfer values, evaluating guarantees, and consolidating multiple pensions. We collaborate with specialist firms for defined benefit scheme transfers and provide alternative solutions where such permissions aren't held, ensuring appropriate client outcomes.
People
Christina Clegg
Independent Financial Adviser
With 30 years' experience since 1994, Christina provides straightforward financial advice specialising in pensions and estate planning. Her client-first approach focuses on understanding individual needs before making recommendations.
Garth Ellison
Chartered Independent Financial Adviser
Garth offers expert financial planning advice with a focus on retirement solutions. His chartered status reflects advanced professional qualifications and commitment to industry best practices.
Mhairi Flynn
Paraplanner
Mhairi supports advisors with technical analysis and documentation, ensuring accurate implementation of financial strategies. Her role includes preparing detailed pension summaries and compliance materials.
Sue Evans
Office Manager
Sue oversees daily operations, ensuring efficient client service delivery. She coordinates appointments and maintains office systems to support the advisory team's client-focused activities.
Phil Clegg
Marketing Manager
Phil manages client communications and educational content, including video resources explaining financial concepts. He ensures clear, accessible information delivery across all marketing channels.
Questions
What qualifications do your advisers hold?
Our advisers hold FCA-authorised qualifications including Dip PFS and Chartered status. We maintain ongoing professional development to ensure regulatory compliance and technical expertise.
How much does a pension review cost?
Pension reviews are provided free of charge during initial consultations. This includes detailed analysis of your current arrangements without any obligation to proceed with further services.
Can you help with defined benefit pension transfers?
While we don't hold specific DB transfer permissions, we collaborate with specialist firms to facilitate these transfers while managing complementary aspects of your financial planning.
How are inheritance tax allowances calculated?
Allowances consider nil-rate bands, residential property exemptions, and spouse transfers. We provide detailed calculations showing current allowances and strategies to maximise tax-efficient transfers.
What estate planning services do you offer?
We provide will creation, lasting power of attorney arrangements, trust management, and probate assistance. These services integrate with financial plans to ensure comprehensive wealth preservation strategies.
How do you ensure client satisfaction?
Through free initial consultations, transparent communication, and ongoing reviews. We maintain 4.8/5 ratings on VouchedFor with 400+ five-star reviews demonstrating our commitment to client needs.
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