FAQS

Simply email us at admin@ldbwealth.com, call us on (0)1322 927 136  or complete the contact form.

No, the initial meeting is free.

Meetings can be virtual (via Zoom or Microsoft Teams), or we can travel to your home or workplace.

If you are applying for a mortgage , you will need your payslips and bank statements for the last three months. Also bring your proof of ID, address, and deposit. For a general financial planning  meeting, provide details of any policies you have (pensions, investments, insurance), your latest payslips, and your latest bank statement.

No. There is no obligation to sign up at the initial meeting.

Retirement planning starts with setting goals. Think about the lifestyle you would like to have and estimate how much money you will need, considering factors like inflation and how long your savings need to last based on when you retire. Maximise contributions to your workplace or personal pensions and take full advantage of any employer contributions. Life happens, so review your plan regularly to make sure you are on track to meet your goals.

Estate planning ensures your assets are distributed how you want while minimising tax burdens. Start by drafting a legally binding will. Then, establish trusts to protect your wealth, reduce inheritance tax, and secure assets for future generations. A Lasting Power of Attorney (LPA) is essential for appointing individuals to manage finances or health decisions if you become incapacitated. A financial planner can help you navigate inheritance tax rules and create a robust plan.

Estate Planning, Trusts, Will Writing and Lasting Powers of Attorney are not regulated by the Financial Conduct Authority.

Saving involves setting aside money in low-risk, easily accessible accounts like ISAs (Individual Savings Accounts) for short-term goals or emergencies. Investing, on the other hand, involves putting money into assets such as stocks, bonds, or funds that are less accessible, but with the potential for higher returns at increased risk.