Star House Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

Above all, what we aim to do is to really get to understand you and your needs before making any recommendations. In many cases, our recommendations may not involve any financial product at all.

Any financial adviser can advise on matters such as investments, pensions and life assurance as products in isolation.

We believe, however, that true professional financial advice involves so much more than specific investments or policies; it is a process which continues and develops indefinitely as personal circumstances and needs, investment markets and legislation all change over time.

To aid us in this process, we have a wide range of financial tools and techniques at our disposal, and where we agree with you that one or more financial products are required, we use our sophisticated research capability and our knowledge and experience in working with you to provide the most appropriate solutions for your needs.

We always take account of the tax consequences of any recommendations we make, and in many cases work closely with other professional advisers on an ongoing basis.

Whilst a great many people referred to us are looking for a general review of their investments or pension planning and we are always pleased to help with this we do have specific expertise dealing with matters overlooked by many financial advisers but which many clients have found particularly useful:

Cash Deposits we are always able to advise on the best rates of interest, and sometimes we can negotiate special terms with insurance companies which prove particularly popular with our clients, both individual and corporate.

Reducing ongoing charges on existing pension plans many people still have pension plans taken out many years ago which often have far higher charges than modern pension plans. In some cases, it is possible to reduce these charges quite dramatically by transferring to a low cost pension plan.

Investments exempt from inheritance tax after two years of ownership for some people, these can be a very useful alternative to trusts or outright gifts.

Eliminating Debt in many cases, repaying mortgages and other liabilities is the best form of investment available, and we can help people plan for this which may involve the use of offset mortgages or in some cases accessing tax free cash from pension funds, where appropriate.

This list is however not exhaustive, and is intended to give no more than an indication of the some of the facets of financial advice with which we frequently get involved in addition of course to the more standard matters dealt with by financial advisers generally.

Star House Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 737736). Tax advice which contains no investment element is not regulated by the Financial Conduct Authority. Company registered in England and Wales No. 05351519. Registered Office: Oak Apple House, North Street, Milborne Port, Sherborne DT9 5EW.

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