A purpose for your money
Connect your wealth to the things that matter: financial independence, family, experiences and the years ahead.
FINANCIAL PLANNING. BUILT AROUND YOU.
Your future.
More clarity.
More confidence.
We help you make informed decisions about your money, bringing your pensions, savings and investments together in a financial plan built around your life and goals.
Independent Financial Advisers
Altrincham & South Warrington
Altrincham & South Warrington
EST. 200620YEARS OF
TRUSTED ADVICE
TRUSTED ADVICE
A PLAN FOR YOUR MONEY.
More room for life.
A fresh perspective on your financial future.
IT STARTS WITH YOUR LIFE
Financial planning for
retirement and beyond.
We look at your finances as a whole and create a personal plan. If you have several pensions and investments, we thoroughly research your existing arrangements to assess whether they remain appropriate for your needs and goals.
YOUR NEXT CHAPTER
Could you retire sooner than you think?
You’ve worked hard to build your future. Now you want to understand what’s possible. We bring your pensions, savings and ambitions together in a plan that helps you see the way ahead.
01
Understand when you could afford to retire
02
Explore the lifestyle your money could support
03
Your goals. Your circumstances. Your own financial roadmap.See the effect of working less or stopping earlier
WITHIN 10 YEARS OF RETIREMENT?
Book your free
Retirement Ready call.
A free 45-minute conversation to discuss your retirement plans and the questions you want answered.
45 minutesMicrosoft TeamsNo cost. No obligation.
Friday mornings. Places are limited to allow time for every conversation.We gather information in advance to help shape your Retirement Roadmap.
SEE THE BIGGER PICTURE“Will I have
“Will I have
enough?”
Understand what your money could support.
See how your finances
could change over time.
Cashflow planning looks at how your income, spending and savings could change over time. We use it to explore what retiring earlier, spending more or helping your family could mean for your finances.
We look at different possibilities together, so you can make informed choices with a clearer understanding of the trade-offs.
Cashflow projections are illustrations based on assumptions. Actual outcomes will vary.WEALTH MANAGEMENT
Making your pensions,
savings and investments
work together.
Whether you’re building wealth, putting savings to work or drawing an income, the starting point is the life you want to lead.
We bring your pensions, investments and savings into one financial plan, helping you make informed decisions with a clear sense of purpose.
An approach that fits you
Consider your timescale, attitude to risk and ability to absorb losses before deciding how your money should be invested.
A joined-up view
Explore how your savings, pensions and investments can work together, with tax efficiency considered in the context of your circumstances.
FOR BUSINESS OWNERS
Turn business success
into personal wealth.
We help you build personal wealth alongside your business, plan for retirement and prepare for stepping back or a future sale.
Make success work for you
Explore how business profits, pensions and personal savings can work together to support your long-term goals.
Plan with tax efficiency in mind
Consider tax-efficient pension contributions and personal saving strategies, in collaboration with your accountant where appropriate.
Prepare to step back or sell
Understand how much personal wealth you may need to step back, pass on your business or prepare for a future exit.
Bring your plans together
Connect family priorities, personal financial resilience and business milestones in one joined-up plan.
ESTATE PLANNING
Passing on wealth
and supporting your family.
We help you plan what to pass on, to whom and when, while making sure your own income and future needs remain part of the plan.
Helping family during your lifetime
Explore how much you could afford to give loved ones, while allowing for your own spending, retirement income and possible care costs.
Inheritance tax planning
Understand your potential inheritance tax position and the planning options available, including what they could mean for access to your money and control over it.
Planning what you leave behind
Review how your pensions, investments and other financial arrangements fit your wishes. Where needed, we work alongside your solicitor on the financial planning aspects of wills, powers of attorney and trusts.
OUR ADVICE PROCESS
How we
work with you.
You don’t need all the answers before we meet. We’ll help you ask the right questions and take things one step at a time.
We listen
Tell us about your life, your ambitions and the things that concern you. We start by understanding you.
We bring clarity
We thoroughly research your existing pensions and investments to assess their suitability, then model your options to show what’s possible.
We make a plan
You receive personal recommendations and practical next steps, with the costs explained before you proceed.
We stay alongside you
Through an agreed ongoing service, we review your progress and adapt your plan as life changes.
20YEARS IN BUSINESS
2006 — 2026
2006 — 2026
LOCAL ROOTS. LONG-TERM RELATIONSHIPS.
Trusted financial planning.
People you can get to know.
Since 2006, Wayne Austin IFA has helped clients make sense of their finances. Based in Altrincham and South Warrington, we combine independent advice with a personal approach.
Our focus is on your life and the decisions ahead. Financial products are tools to support your plan; your goals guide the conversation.
Meet our teamRELATIONSHIPS BUILT ON TRUST
What our
clients say.
Hear from clients about their experience of working with Wayne Austin IFA.
Read our reviews on Trustpilot Selected excerpts from client reviews on Trustpilot. Individual experiences may vary.01 / 07
A FEW THINGS YOU MAY BE WONDERING
Your questions
answered.
Have another question?
We’d love to hear from you.
Do I need to be ready to retire?+
No. Planning ahead gives you time to explore your options. Whether retirement is ten years away or just around the corner, we can help you understand where you stand and what to do next.
What does independent financial advice mean?+
We are independent financial advisers. We consider suitable solutions from across the market and base our recommendations on your circumstances, objectives and needs. Your financial plan comes first.
How does cashflow planning help?+
Cashflow planning brings your income, spending, savings and goals into one picture. Together we can explore different scenarios, such as retiring earlier or helping family. Forecasts depend on assumptions and are not guarantees.
Can you help me as a business owner?+
Yes. We look at your personal finances alongside your business ambitions, including retirement planning, tax efficiency and preparing for life after the business. Where appropriate, we work alongside your accountant and other professional advisers.
Can you help me plan what I leave to my family?+
Yes. We help you consider your family goals, potential inheritance tax exposure and the affordability of making gifts. We can coordinate your financial plan with your solicitor’s work on wills, powers of attorney and trusts where appropriate.
Is wealth management only about investing?+
Wealth management starts with what you want your money to do. We bring together your savings, pensions, investments, income needs and tax position, with investment decisions guided by your wider financial plan.
What will advice cost?+
Your initial conversation is free and without obligation. If you decide to explore working together, we will explain the scope of our advice, the fees and any ongoing service before you commit.
Can we meet online?+
Yes. We offer meetings by Microsoft Teams as well as telephone and face-to-face appointments. We are based in Altrincham and South Warrington.