CMG Financial Advice

    At CMG we understand that your mortgage is only part of your financial life. Our philosophy is that your major financial commitments need to be seen in the context of an entirely holistic view, one that takes your plans, goals and aspirations into account, and that aims to equip you with the tools you need to be able to achieve them.

    Highly qualified financial advisers are available to guide you through the labyrinth of planning your finances. Long term advice that changes and adapts, just as you do in your life, is our trademark. From the first building blocks of developing some capital and the foundations needed to protect your efforts, through to effectively planning your retirement and ultimately dealing with how best to protect your estate from the ravages of inheritance tax, CMG's specialist advisers have all the solutions you need.


    Retirement Planning 20% of us retire in poverty and for millions more it's not much better. What plans have you made, and are they enough to support your lifestyle in retirement?

  • Stakeholder Pensions

  • Personal Pensions

  • Self Invested Personal Pensions

  • Income Withdrawal arrangements

  • Group Personal and Group Stakeholder Pensions

  • Stakeholder legislation advice, and scheme designation

  • Independently vetted, guaranteed, Pension Transfer advice

  • Market leading pension comparison and projection software

  • Guaranteed Annuities

  • With Profits Annuities

  • Independent Annuity Bureau



    • Inheritance Tax Planning What are you doing to protect your hard earned assets from the ravages of the tax man?

  • Wills

  • Discretionnary Will Trusts (IOU if appropriate)

  • Whole of Life Assurance and trust arrangements

  • Discounted Gift Trusts

  • Gift and Loan Trusts

    • HM Revenue & Customs practice and the law relating to taxation are complex and are subject to individual circumstances and changes which cannot be foreseen.

    Investment Planning Many save nothing and have few assets beyond their property. Others have had no guidance on the capital they've developed and need someone to turn to.

  • ISAs

  • Unit Trusts

  • Investment Bonds

  • With Profits Bonds

  • Venture Capital Trusts

  • Offshore Bonds

  • Offshore regular investment plans

  • Discretionnary management from 7IM and Morgan Stanley Quilter







    • Protection How long can you guarantee your health? What might happen to your income if you were diagnosed with a major illness?

  • Life Assurance (term and whole of life)

  • Mortgage Protection insurance

  • Critical Illness Cover

  • Income Protection

  • Sickness, Accident and Unemployment insurance

  • Key man assurance

  • Life plan trusts

    We can help you in all these areas and offer a full review of the options available to you based on your particular concerns, attitude to risk and financial aims. Just as importantly, we offer our clients the benefits of ongoing reviews to ensure that they are aware of legislative changes. As a result we are responsive to changes in our clients' lives and financial circumstances.

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