Rossiter's Financial is a trading style of Precipio Financial Limited who are an appointed representative of Intrinsic Wealth Limited and Intrinsic Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Intrinsic Wealth Limited is entered on the FCA Register under reference 217742 and Intrinsic Mortgage Planning Limited under reference 440718.

WHO ARE WE?

About Rossiter's Financial

Rossiter's Financial is an Independent Financial Services company. Our clients are a mixture of private individuals and companies who understand that by seeking our professional advice they can make the most of their money. Our success has been based on three core principles: integrity, professionalism and impartiality. These principles, coupled with a creative approach to financial planning and a belief in a bespoke client service, ensure that our clients make financial decisions with successful results. We provide a wide range of specialist advisory services in the following areas: investments, corporate planning, retirement, insurance, tax planning, mortgages, pensions and long term care planning. Our focus is on both capital enhancement and capital protection. We believe in providing a high-quality service, with the emphasis on building long-term relationships with our clients, and we have dedicated and skilled advisers who work together to achieve this objective. 

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate Inheritance Tax Planning

Our Services

  1. 1
    Insurance
    LIFE INSURANCE

    We all recognise that we have to insure a house or a car.  We all know we need to repay our debts. But how many of us truly consider the impact of losing a loved one? The emotional loss is terrible enough, but the financial consequences can be devastating. Imagine losing a spouse’s income or other financial support. The effect can leave a family struggling to cope with the pressures of utility bills, council tax and debt payments. A simple insurance policy can alleviate these worries with one comfortable tax-free lump sum, or even a monthly payment for a fixed period. We can help provide the right plan and cover tailored to your budget and needs.

    INCOME PROTECTION INSURANCE

    Income protection is a long-term insurance policy which provides cover in the event of you being unable to work due to illness or injury during the policy term.

    The maximum amount of income you can replace through insurance is broadly the after-tax earnings you have lost, less a potential adjustment for state benefits you can claim. As with all insurance, it is important that you have a policy that provides the benefits you require.

    CRITICAL ILLNESS COVER

    This cover pays out a lump sum if you’re diagnosed with certain life-threatening or debilitating conditions. The payment sum can be used for medical treatment, to pay off a mortgage, to stop working or reduce your hours, or any other purpose.

    Policies tend to vary depending on the medical conditions they cover and when the payment is made. The cost is determined by a wide variety of factors, including your age and any previous or pre-existing medical conditions.

  2. 2
    Investments
    Investing wisely is at the very heart of our advice process. Making sure you preserve your nest egg and ensure you have enough put aside to cover every eventuality is key to a happy investment experience. Accepting some higher risk is paramount to growth, but in order to take this risk you must have an understanding of your capacity for loss. Our job as your advisers is for you to understand this from our clear and correct advice. Your understanding then ensures a long and fruitful relationship.
     
  3. 3
    Retirement Planning
    Retirement planning is not just about pensions. This is just one type of product that can be used as a pension vehicle. Planning for retirement involves investment in property, ISA’s, cash savings, and pension funds.
  4. 4
    Inheritance tax planning

    If you want to be sure your lifetime’s wealth can be enjoyed by your family and chosen beneficiaries, then inheritance tax planning is essential to that aim. We can provide the knowledge and expertise to help limit any future tax liability.

  5. 5
    Long Term Care Planning

    With life expectancy increasing more of us are likely to need care in later life. When you or a relative needs care, often you can be faced with not only the emotional concern, but also worries about how care fees will be paid.

  6. 6
    Corporate Planning

    Many small to medium-sized businesses are unprepared in some areas of financial planning.

    The consequences of a lack of planning could result in paying more tax than necessary or being inadequately insured (which can have expensive and detrimental consequences for a business).

  7. 7
    Mortgages
    Obtaining a mortgage can be one of the largest financial commitments during your lifetime. Buying a property, remortgaging or extending a loan can be a stressful and time-consuming experience. In recent years, the mortgage market has seen enormous change with tighter regulation and lower mortgage sums being offered to borrowers.

Client Testimonial