Mike has now been our IFA for over 12 years after we had been badly let down by another organisation, and during this period my wife and I have built up a very close working relationship with him on all matters affecting our family finances. He is extremely approachable, taking whatever time and effort are required to explain complex issues; throughout the period of our relationship we have found him absolutely competent and diligent, with not even the smallest detail left unattended. We consider Mike a “one-off” in his profession and would have no hesitation in recommending himR K, Kent
Services Offered & Relevant Market
I specialise in investment planning, notably creating and reviewing portfolios, selected from the full range of Retail Investment Products. Due consideration is given to various factors including clients’ attitude to risk, timescales, existing holdings, the need for income, a requirement for ethical investment, market conditions and taxation issues. Cash and National Savings & Investments may be included in portfolios.
Once or twice a month I write an Investment Blog – with articles on general investment issues including stock markets and the global economy. These reflect my thinking on investment planning and shape my recommendations to clients. My investment muses can also be accessed on this website.
Advice is also offered in the following areas:
- Savings Plans
- Pension Planning including Stakeholder Pensions, Personal Pensions, Annuities and Flexi-Access Drawdown but not transfers from occupational pension schemes with defined or protected benefits
- Life Assurance
- Health Insurances, Critical Illness Insurance and Income Protection but not Long Term Care Insurance, Private Medical Insurance, Accident & Sickness plans nor other general insurances
- Tax Planning including Inheritance Tax, Capital Gains Tax, Income Tax and Taxation of Investments. Please note regulations, levels and bases of taxation are subject to change. In respect of inheritance tax the Financial Conduct Authority do not regulate wills and trusts
- Execution Only – where you receive no advice from me. Here I merely carry out your instructions to purchase a product of your choice. This results in considerable cost savings but execution only is only suitable for those with sufficient knowledge to take the risk of buying without advice. I will only undertake execution only business in rare circumstances and not if I consider the actions you propose to are patently unsuitable.
Montgo Consulting Ltd’s relevant market is advice to retail investment clients – principally individuals and couples.
Advice is not provided on mortgages or individual stocks and shares with the exception of investment trusts.
Where I am unable to give advice myself I may be able to recommend you to other professionals for example a tax specialist or an independent mortgage broker or obtain advice on your behalf. If appropriate referrals to a discretionary fund manager (DFM) for advice on individual stocks and shares portfolios can be made.
Montgo Consulting Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Montgo Consulting Ltd’s FCA firm reference number is 606440.
Copyright © 2019 Montgo Consulting Ltd • Registered in England & Wales • Company no. 4918378
31 Beach Road, Eastbourne, East Sussex BN22 7EY • 01323 735303