At Essential IFA, we believe expert independent financial advice is essential for a more secure future for our clients. As independent financial advisors, we always analyse your entire financial situation before suggesting a strategy that will work for you. We research the whole of the market to find the best financial product to meet your needs. Situated in Ipswich, Suffolk, we provide independent financial advice and we are part of the Whitechurch Network that is regulated by the FCA.
You can be confident that we will always work with your best interests in mind. We will regularly review our advice to ensure it is up to date and suits your financial planning needs. I have known Peter for several years and he has always given me sound and reliable financial advice both as regards business and now personal financial problems. Peter has not only provided invaluable financial advice and support for ourselves, but also for other family members.
He is friendly, approachable and through his knowledge and experience has enabled our finances to develop and grow.
You can be confident that we will always work with your best interests in mind. We will regularly review our advice to ensure it is up to date and suits your financial planning needs. I have known Peter for several years and he has always given me sound and reliable financial advice both as regards business and now personal financial problems. Peter has not only provided invaluable financial advice and support for ourselves, but also for other family members.
He is friendly, approachable and through his knowledge and experience has enabled our finances to develop and grow.
Services
Situated in Ipswich, Suffolk, Essential IFA was established by Peter Herd in 2008.
Essential IFA was set up with the aim of providing high quality independent financial advice that people can trust and most importantly, understand.
Peter has over 20 years' experience within the financial services industry and holds a Level 5 Diploma in Investment Planning.
Peter also has a current Statement of Professional Standing certificate, which complies with FCA regulations.
An SPS certificate certifies that an adviser has met the minimum standard of qualifications laid down by the FCA to give financial advice.
Essential IFA was set up with the aim of providing high quality independent financial advice that people can trust and most importantly, understand.
Peter has over 20 years' experience within the financial services industry and holds a Level 5 Diploma in Investment Planning.
Peter also has a current Statement of Professional Standing certificate, which complies with FCA regulations.
An SPS certificate certifies that an adviser has met the minimum standard of qualifications laid down by the FCA to give financial advice.
It is important to make sure that you and your family have financial protection in the event of unforeseen circumstances.
We do not like to think about death or illness.
However, what would your or your family's financial circumstances look like if the main breadwinner were to suddenly die or suffer a major illness?
It is a common misconception that the State will look after us from cradle to grave.
The truth is, if you or your family become reliant on state benefits, you could end up living in poverty.
We do not like to think about death or illness.
However, what would your or your family's financial circumstances look like if the main breadwinner were to suddenly die or suffer a major illness?
It is a common misconception that the State will look after us from cradle to grave.
The truth is, if you or your family become reliant on state benefits, you could end up living in poverty.
Planning for your retirement can be time consuming and confusing.
How much you need to save in order to reach your desired retirement income must be considered before deciding which pension plan suits you best.
At Essential IFA, we can help you successfully plan for your retirement by recommending a pension that suits your needs.
We are able to analyse your needs and calculate how much money you will need to save for retirement based on your desired income and your personal retirement aspirations.
How much you need to save in order to reach your desired retirement income must be considered before deciding which pension plan suits you best.
At Essential IFA, we can help you successfully plan for your retirement by recommending a pension that suits your needs.
We are able to analyse your needs and calculate how much money you will need to save for retirement based on your desired income and your personal retirement aspirations.
However, we believe that a relationship between a client and an independent financial adviser is the most effective way of getting the most out of your financial situation.
We are able to understand not only your financial situation but also your aims and goals for the medium and long term.
We are able to make your money work for you.
We offer a wide range of products such as ISAs, Open Ended Investment Companies (OEICS), Investment Bonds and Pensions, although this is not an exhaustive list.
We work hard to ensure your money is invested in a manner that is not only tax effective, but is also more likely to give you a better rate of return than other products such as deposit based savings accounts.
We are able to understand not only your financial situation but also your aims and goals for the medium and long term.
We are able to make your money work for you.
We offer a wide range of products such as ISAs, Open Ended Investment Companies (OEICS), Investment Bonds and Pensions, although this is not an exhaustive list.
We work hard to ensure your money is invested in a manner that is not only tax effective, but is also more likely to give you a better rate of return than other products such as deposit based savings accounts.
Estate planning is much more than just writing a Will or having a Lasting Power of Attorney (LPA) in place.
It's about making sure that your estate is arranged in the most tax efficient way and that your intentions are clear in all potential circumstances.
This needs to cover both death as well as you becoming mentally incapable of making decisions yourself.
Estate planning involves making sure that all tax allowances are being utilised as effectively as possible.
It also ensures that assets are divided between a husband and wife in a way which maximises both tax allowances and income generation potential.
It's about making sure that your estate is arranged in the most tax efficient way and that your intentions are clear in all potential circumstances.
This needs to cover both death as well as you becoming mentally incapable of making decisions yourself.
Estate planning involves making sure that all tax allowances are being utilised as effectively as possible.
It also ensures that assets are divided between a husband and wife in a way which maximises both tax allowances and income generation potential.
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