Welcome to the website of Bridgewater Financial Services.
Bridgewater aims to provide a highly personalised service to clients who value having direct access to an experienced financial planner rather than the more impersonal and less bespoke service that can be expected from large financial institutions.
We are independent financial advisers in Sale Cheshire. We serve clients throughout the UK and overseas and place the care of our existing clients at the heart of our business rather than the constant quest for new clients. Our clients frequently require retirement advice, tax efficient investment, risk management and insurance as well as estate planning. These are best covered in within a comprehensive and regularly reviewed financial plan that ensures all requirements are provided for in a coherent manner.
We recognise that some clients require more narrow advice and we are happy to provide this where needed. Typical examples include the use of pensions for property purchase or restructure of business finances and advice on annuity options on retirement. We are specialist qualified pension consultants and able to provide creative solutions to help business owners combine retirement provision with the the achievement of their business objectives. We also frequently act for clients who wish to consolidate their pensions and investments or who are unhappy with their investment performance.
Whether we are providing comprehensive financial planning advice or transactional financial advice we follow clear processes and use sophisticated software to enable us to analyse our clients requirements and provide recommendations that meet their needs.
If you would like to be kept up to date on financial issues that may affect you and other useful topics from time to time, subscribe to our newsletter here. If your mobile phone has a QR scanner you can access the link by scanning this code:
If you would like to find our more about our services please contact us
Treating Customers Fairly
We put our customers interests ahead of our own in all of our dealings. Our Principles are set out Click Here
The Value of Independence
As independent financial advisers we are able to comment on whatever policies or investments our clients have, in contrast to salespeople who work for insurance companies. We act as the agent of our clients and not of any product provider. What are the differences between Independent Financial Advisers and Insurance Company Sales People? Click Here
Investment Philosophy
We have adopted an evidence based approach to investment which aims to assist out clients in the achievement of their financial goals by only taking risks where there is a reasonable chance that these will be rewarded. For further details of this Click Here
Our Services
We provide a wide range of services to private and business clients. For further details Click Here
Consultancy Services to Financial Advisers
We are happy to assist other financial advisers, who do not hold specialist pension qualifications, to provide advice to their clients on final salary pension transfers and other complex matters such as bulk Buy-Outs or corporate pension scheme reconstruction. We also offer a service to review pension transfer advice where their Professional Indemnity Insurance requires 'two pairs of eyes.'
For further details Click Here
Resources
Visit our Resources page for links to financial calculators, key provider login pages and links to the NHS and Scottish Public Servants pensions websites. For further details Click Here
Whats New?
In response to client demand we have now established a series of ethical investment portfolios. We have adopted a strict approach to the criteria that we use to ensure that the funds we use satisfy most people's ethical requirements. At the same time, we have tried to stick as closely as possible to our core investment approach which is to concentrate on high level asset allocation (the split between shares and fixed interest/cash) of the portfolios as this has the greatest impact on their risk and potential returns. For further details of our approach Click here
We provide specialist services to international schools and expatriate teachers. We are passported by the UK Financial Conduct Authority to provide regulated financial advice in the EU. For further details on our services Click here
We offer a free pension and investment review service to help you make sense of what you currently have. For further details of this Click here
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Bridgewater Financial Services Limited is an appointed representative of Global Financial Strategies Limited, No. 4 Connaught Fold Huddersfield, HD2 1RB which is authorised and regulated by the Financial Services Authority.
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