your timeline


There are four key financial phases in life. Your journey through these phases may start when you buy your first home or start a family. Our Mortgage and Protection team can help you build a strong foundation for personal and financial growth. As you move along your timeline, our Financial Planning team can help you to build a Financial Plan that targets your lifetime goals. Every journey is unique and your Financial Plan must be flexible so it can adapt to the twists and turns of life.

every journey is unique

1. Saving for a mortgage deposit and buying your first home. Starting a new job or career. Getting your financial affairs in order and planning for contingencies. 

2. Building capital reserves and saving for retirement. Moving up the property ladder. Increasing your mortgage. Reducing the amount of tax you pay and starting a business. Protecting your family and earnings capacity.

3. Planning for retirement and managing your wealth. Paying off the mortgage and supporting your children. Thinking about estate planning and wealth preservation. 

4. Starting full or phased retirement. Downsizing to release equity. Meeting your retirement goals with a sustainable income strategy. Protecting your assets and mitigating inheritance tax.


A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Conduct Authority does not regulate most forms of buy to let mortgage.


The value of investments and the income from them can go down. You may not get back the original amount invested.

past performance

Past performance is not a reliable indicator of future performance.


A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

tax treatment

Tax treatment is based on individual circumstances and may be subject to change in the future.

estate planning

The Financial Conduct Authority (FCA) does not regulate tax and estate planning.

Speak to a Financial Adviser today

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client objectives


Defining your objectives or goals is a key part of the fact find process. Your objectives or goals should be specific, measurable, achievable, realistic, and within a given timeline. For example, I want to retire at age 55 on £25,000 a year with a capital lump sum of £100,000 so I can build a home extension. I can afford to save 10% of my salary towards this goal over 20 years.

Defining your objectives or goals can be difficult and the process usually starts with questions. We’ve made a list of common questions below.

  • How do I get my first mortgage
  • How do I get a better mortgage deal
  • Can I invest in property
  • How do I protect my family if I die early or suffer a critical illness
  • When can I retire
  • How can I improve my retirement prospects
  • Can my children avoid inheritance tax
  • How do I invest for the future
  • How do I pay less tax
  • Can I afford to help my children financially

you don't need to be wealthy to benefit from independent financial advice

you don't need to be wealthy to benefit from independent financial advice

new clients


There is no typical client profile; every client is unique. Moreover, you don’t need to be wealthy to benefit from independent financial advice. We help clients of all ages and backgrounds. Also, we cover the whole UK so you don’t need to be local to Chester or Anglesey to use our services. We do like meeting our clients face-to-face, even if that means traveling but we can work remotely via email or Skype.

The common thread with all clients is the need or desire to achieve a set of defined outcomes or goals. For example, it could be buying a house or protecting the family. It could be saving for retiring or tax planning. It could be changing a mortgage.