WWO Financial Consultants is an Independent Financial Consultancy founded in 1998. We have developed due to the trust we instill in our clients. This trust is based upon an experienced, open and honest approach.

We have no links to any financial group or institution: our commitment is to you - and nobody else. Our advice is completely unbiased.

We will provide you with all the help and information you need to create viable financial plans for the future and to protect your assets and your standard of living.

Plan to Fail or Fail to Plan
"Three o'clock is always too late and too early for anything you want to do" Jean-Paul Sartre

To achieve your financial goals you will need to plan, and more often than not you will need some means of finance. Our services are designed to aid the setting of financial objectives, and to help you monitor your finances and investments. Stop procrastinating and start planning now!
Our expertise ranges across a wide spectrum of subjects, including
Pensions Shares
Life Assurance Critical Illness Insurance
Health Insurance ISAs
Disability Insurance Unit Trusts
Private Medical Care Offshore Investment
Mortgages Tax Planning
SIPP Advice
Wills Saving for School Fees
Tax Exempt Special Savings Accounts (TESSAs)

We are able to offer advice on any aspect of these matters (we would normally expect to meet with you at your convenience to conduct an initial financial review).

In addition, we have developed the Claritas system in order that people can re-evaluate their exisiting pension, insurance or investments. This gives our clients the unique opportunity to see clearly how their current

Mortgage Reviews

The mortgage has ceased to be merely an inflexible financial package as a means of purchase for your home. Modern loans will make it possible for simple additional funds to be available for property improvements, deposits for investment property, or simply to use your monthly income to repay the debt more quickly. The market is very competitive.

The Merlin Mortgage Review is an independent assessment of the total market place to ensure that the finance supporting what is probably your largest debt is the most suitable and competitive. The service is equally appropriate for the first time property investor, where all the options will be explained in simple language and expenditure analysis and forecasting will aid the novice first time buyer to assess the correct purchase level and property type. Our knowledge of this fast moving market place will also make it more likely that we will be able to obtain agreement for arra

Retirement Income

Changing from being an income producer to living from accumulated capital, whether as a slow phased operation, or an abrupt retirement, requires very careful analysis of the options.

As an example, we can look at the question of whether to purchase an annuity immediately with the accumulated pension fund, or whether to make use of the income draw-down options now available. Many are not aware that the annuity market can be used at this time to obtain the very best annuity rate and hence the highest possible income for life currently available.

This option (known as the "Open Market Option") is greatly under-utilised by the public believing that they have to remain with the company they have been saving with.

Those with impaired health using this option may be able to obtain substantially superior rates due to their reduced life expectancy. Increased benefits of 15% payable every year for the remainder of life are regularly achieved for individuals who qualify.

The orientation of other assets may well now need to be adjusted. Savings schemes that to date have been positioned to achieve maximum growth may now need to be adjusted to produce income. Income tax and other allowances need to in 2009