Introduction to our private client service

Our private client service is for UK individuals wishing to put in place a coherent financial/retirement plan and investment strategy.

We offer a lifetime financial planning service that can group your pensions, ISAs, GIAs and other investments to get them all working together towards your financial masterplan.

TISCO Financial Advice St Albans

Why TISCO Financial Planning?

We are an established firm of chartered financial planners providing independent financial advice to UK individuals, businesses and employees of those businesses.

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Putting you first

We believe in putting your needs first providing you with a trusted financial partner for life, someone who can work with you to agree your financial masterplan, and then monitor your strategy and investments to make sure you stay on track to achieve your goals.

Our investment solutions and model portfolios.

As independent advisers we are not tied to any particular company, provider or investment solution.

We offer advice on investment portfolios which are actively managed and reviewed regularly so that you can concentrate on your personal life, while we concentrate
on your financial life.

Solutions may utilise low-cost tracker funds or our Model Portfolios, which are managed for us on a discretionary basis. The portfolios are constantly reviewed to try and take advantage of market upturns, and at the same time protect as much
as possible against the downturns.

Please contact us or call our St Albans office for pension advice on 01727 734040 and we will make suitable arrangements to help you with your pension needs.

Our advice and investment process

Our private client service is for UK individuals wishing to put in place a coherent financial/retirement plan and investment strategy.

We offer a lifetime financial planning service that can group your pensions, ISAs, GIAs and other investments to get them all working together towards your financial masterplan.

The typical advice and investment process is as follows:

Initial Meeting

We start with an initial meeting, either face to face or on the phone, where we can get a basic understanding of your situation and requirements.

During the session we will explain how we work and how we charge. We will also outline our initial thoughts on strategy and areas where we believe we can deliver value for you.

This meeting is at our expense and without any obligation to you.

Discovery Meeting

If you would like to become a private client the next step is for us to fully understand your financial and personal situation.

We do this via our fact finding “discovery” meeting, where we collect information on all your existing pensions, investments and other assets.

We will also assess your attitude to risk, and agree your objectives, your financial goals and aspirations.

Your Financial Masterplan

We will then analyse your existing assets before preparing your financial masterplan. This may include recommendations to consolidate your pensions and investment plans as well as a suitable investment strategy.

We can also include cash flow models to let you understand graphically the impact of our recommendations.

We believe our proposals are all made in a clear and straight forward way. We provide a detailed analysis of your existing policies and any recommended replacement policies.

We make sure all the charges and features, pros and cons of any suggested strategy are clear.

Ongoing service & review

To use a military maxim: “Every plan is great until the first shot is fired”.

Once your financial masterplan has been implemented, it is crucial that we review it with you regularly to ensure it remains on track to meet your objectives.

Life changes; and the financial world changes with it.

A typical review meeting agenda would include the following:

  • General catch-up and update
  • Objective review
  • Risk update
  • Regulatory update
  • Strategic review
  • Investment review
  • Policy benchmarking
  • Service level and fees
  • Action plan
  • Date for next meeting

Our advisers will be happy to arrange a call or visit or you are welcome to visit us in our St Albans office. Either way, please contact us using the ‘contact us‘ function or call our St. Albans office on 01727 734040 and we will make suitable arrangements.

Your financial masterplan

As a private client we will work with you to understand your financial aspirations and lifetime goals before creating a bespoke financial masterplan to target your objectives.

We can include personalised cash flow models to graphically demonstrate your lifetime cash flows under different assumptions, allowing you to model different scenarios and outcomes with the aim of ensuring all your ‘what ifs’ are covered.

As your independent financial adviser our role is to advise you on the appropriate products and investment strategies to achieve your required objectives as tax efficiently as possible.

Emphasis will also be taken to ensure any pensions take full advantage of the new pension freedoms rules during funding, payment and generational planning for inheritance tax planning purposes.

  • Security
  • Money
  • Savings
  • Success
  • Freedom
  • Wealth

Why we believe you should have a financial masterplan

  • Helps you look at your finances as a whole
  • Helps you set and achieve your financial goals
  • Keeps your investments working together
  • Flexible planning you can adapt as life changes
  • Plan your retirement income and spending with cash flow models
  • Consolidate your investments and pensions
  • Adopt a harmonised and coherent investment strategy
  • Maximise the tax efficiency of your holdings
  • Maximise savings by holding all your investments tax efficiently
  • Adjust your plan as your needs or regulations change
  • Access pension freedoms to pass your assets down the generations

Your personal client site

Whether we manage your pensions, individual savings accounts (ISAs) or general investments (GIAs) we offer you access 24/7 on desktop, iOS or Android devices so you can track, analyse and view your investments wherever or whenever you want.re-balancing the existing holdings.

  • View your portfolio – see an overview of your net worth on log-in
  • Access your client site on-the-go with iPhone and Android apps
  • Use ImpulseSave to top-up your True Potential investments
  • Manage your documents in the secure client site area
  • Contact your financial adviser with secure messaging
  • Analyse your investment performance
Client Site Log In

Book your free initial meeting

We offer a free initial meeting or call which gives us an opportunity to find out more about you and your needs, and you the chance to find out more about how we work.

This meeting is without cost or obligation.

Please call us on 01727 734040 or use the contact us feature.

Testimonials from our clients

Please find below feedback from clients with whom TISCO have built a relationship with on a private client basis.

These represent every un-edited (including typos!) response received from individuals.

  • To whom it may concern,

    Since deciding to retire early in 2015, Tisco (mainly in the guise of Mike Denton with support from James Smith) have been of great assistance in helping me to decide what to do with the pension fund that I had with in the form of two GPP’s and a Section 32 with Aegon / Scottish Equitable. After a number of meetings (both before and after my actual retirement), phone calls and correspondence to establish my exact requirements, a comprehensive report was produced by Tisco with a recommendation to transfer the funds into a new SIPP with Aegon Retirement Choices (ARC). A further meeting was held to review the report and agree on the actions required. The proposed transfer was then initiated by Tisco and I pleased to report that, since the transfer was actioned, I have seen growth of over 3% in the past 4 months.

    I continue to have regular contact with, and support from, Tisco to help me to fully understand how to access information in respect of the SIPP and how to make sense of the various charges. The people I have dealt with at Tisco have always been very approachable and patient, attributes that are very important when dealing with someone like myself.

    Mr J.M.

    Private – Mr J.M.
  • “I had used TISCO’s services for many years but I needed their specific advice in connection with my need to find an investment vehicle for a pension share on divorce. In particular, I had a considerable amount of debt so I needed to be able to release some funds from that share as soon as possible. Mike and James came to my home and gave me clear advice both on that issue and generally in relation to my financial position going forward. As a result, a vehicle was found and I was able to release some funds on my 55th birthday which has helped to alleviate my debt problem. I am also very confident that with TISCO’s continued support, my financial future is in safe hands and I have no hesitation in recommending them.”

    Mr C.F.

    Private – Mr C.F.
  • “Maureen and myself decided to retire 3 weeks ago. Prior to that we met with the staff at TISCO to discuss our pensions. We spent several hours with Mike Denton and James Smith sorting out the best way of utilising our pensions. They were most helpful and informative and very knowledgeable about all pension and investment aspects. We would like to thank you again for all your help.”

    Mr R.P. and Mrs M.P.

    Private – Mr R.P. and Mrs M.P.
  • “I’m happy to confirm that I have always found Tisco to be very helpful, offering good advice and practical assistance regarding both my pension and my investment portfolio. I find it very reassuring that I can call whenever I have a concern, this was especially useful during my first year or so with my investment fund, something that was new ground to me.”

    Mr N.C

    Private – Mr N.C
  • “I have known Tisco for a number of years now and they have always been there for my needs and very attentive. I decided to engage with them at a higher level last year and found their knowledge, dedication, professionalism and critically their advice to be invaluable. I would highly recommend any potential client to engage with Tisco to experience the great advise and services they offer, highly recommended.”

    Mr S.J.

    Private – Mr S.J.

Contact us

Only the UK’s premier financial planning firms qualify for Chartered status. If you wish to know more about how using a Chartered firm can ensure you get the best possible advice, service and support, please do not hesitate to contact us.

TISCO offer clients a continuity of service and personnel which is vital to developing the relationships which benefit our private clients, employers and their employees.

Address:
TISCO Financial Planning Limited,
Morton House,
80A Victoria Street,
St Albans,
Herts,
AL1 3XH

Email:
email@tisco.co.uk

Phone number:
01727 734040

We are open:
Monday – Friday 9 AM – 5:30 PM

Social links:

How to find us

Send us a message

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Based in St Albans, Hertfordshire our team of experienced advisers are able to assist with the full range of financial planning and financial advice services. From corporate services such as comprehensive employee benefits packages, workplace pensions and pension auto-enrolment to individual private client work on investments and trusts, pensions, insurance, inheritance tax planning and mortgages.

This service is provided locally in London, St Albans and the home counties with corporate services being provided nationally to serve the requirements of our clients, who range from individuals to 6,000+ employers.

For more information about us and our financial advice services or to see how we may be able to help please contact us. or call our St Albans office on 01727 734040.

We cover St Albans, Watford, Hertfordshire, Hemel Hempstead, Hatfield, London and the rest of the UK