Our Financial Planning Philosophy
As Independent Financial Advisers with over 50 years of experience, we are proud members of the Chartered Insurance Institute and the Personal Finance Society, regulated by the Financial Conduct Authority. Our philosophy is simple: we act solely on behalf of you, our client, and always prioritise your best interests.
The Service We Provide
At our first meeting, we take the time to get to know each other and understand your financial goals. This is a relaxed, no-obligation session where we discuss your current circumstances, concerns, and aspirations. Based on this conversation, we can determine if we’re a good fit to work together and how we can help you.
Over the years, we have helped clients navigate various financial stages, including:
- Purchasing your home and mortgage planning
- Life insurance, pension, or investment planning
- Wealth portfolio management
- Complex trust and estate tax planning
Financial planning is about more than just managing the predictable—it’s about preparing for the unexpected. Our aim is to ensure that you’re financially secure now and into the future, with enough resources for your retirement and any goals you have for your family.
Our Approach
We strive to offer tax-efficient solutions tailored to your risk tolerance and investment objectives. Our clients see tangible value through competitive pricing and access to the most suitable financial products. By understanding your financial aspirations, we can create a personalised plan that fits your exact needs.
- Personalised Planning: Every financial plan is as unique as our clients. We take your specific circumstances, experiences, and attitude toward risk into account to deliver a tailored approach.
- Ongoing Support: We are always available to answer your questions. Whether by phone or email, we believe in building long-term relationships that span generations. Many of our clients have referred their friends and family, a testament to the trust they place in us.
- Collaboration with Professionals: We regularly work with accountants, solicitors, and other professionals to ensure we provide a comprehensive approach to managing your financial affairs.
What We Offer
- Holistic Wealth Management: From managing your investments to estate planning, we provide solutions to help you grow and preserve your wealth.
- Review of Existing Investments: Before recommending any new plans or policies, we always review your current investments to ensure the most suitable outcome. If changes are needed, we provide a full explanation and a cost analysis.
- Diverse Investment Options: Our advisory services cover a broad range of UK and international investments, including actively managed and passive funds.
Why Choose Us?
- Independent Advice: As independent advisers, we research across the entire market to find the most suitable products for your needs. Whether you’re looking for ISAs, pensions, or investment opportunities, we offer unbiased advice that works in your best interest.
- Client-Centred Approach: We believe in empowering our clients to be an active part of the financial planning process. You’ll always understand what we’re doing and why, giving you peace of mind and control over your financial future.
Contact Us
Ready to explore how we can help you achieve your financial goals?
Call us today at 02820762353 or email us at ifa@pjmcilroy.co.uk to schedule your consultation.
Regulatory Information
P J McIlroy & Son, Insurance & Investment, is authorised and regulated by the Financial Conduct Authority (FCA). Our Firm Reference Number is 136095. You can verify this on the Financial Services Register at www.fca.org.uk or by calling the FCA at 08456061234.
Complaints
At P J McIlroy & Son we take all complaints seriously. If you wish to complain please contact the relevant department using our normal contact details. If your complaint relates to Financial Services, Investments, Pensions, Mortgage or Insurance Products then you may also be eligible to complain to the Financial Ombudsman Service. Please refer to www.financial-ombudsman.org.uk for further information and contact details.
