I am passionate about working with my clients, over the short and long term, by building and implementing financial advice and plans. I believe in tailoring my advice around your financial and personal goals and fears to help both build and protect assets. I have worked in financial services for over 20 years and provide broad based advice to individuals, businesses and trustee's helping them with practical solutions to the financial issues that concern them most. My advice covers all areas of Financial Planning, including: - Tax efficient savings & investment planning - School fees planning - Retirement planning - (both new and reviewing existing pension plans) - Options in retirement - Mortgage planning - Protecting the family & business against death or illness - Employee benefits for small businesses including auto enrolment planning - Inheritance tax mitigation Your home may be repossessed if you do not keep up repayments on your mortgage. The value of your investment can go down as well as up. You could get back less than you invested. Hayes Financial Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).