Callum Healey - Financial Adviser, Pension Specialist

My new business cards arrived yesterday. Feel free to share them with anyone who needs expert financial advice 🕺💪🏻

I have recently been working with this special local charity who help disadvantaged and vulnerable people in the Community. These people would otherwise fal through the cracks and not have access to any help. If any businesses or local people could share this video it would certainly help them get more attention and maybe even some donations! Thanks guys 💪🏻

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Most people approach me to talk about their pensions when they are late 40’s early 50’s to see if they will have enough money in retirement. There really is no better time to look at it than now. Get in touch for a no obligation pension health check

Maintaining a 'moderate' standard of living in retirement now costs £8,000 a year more than it did in 2022/23, according to new data from the pensions industry body.

Let us know how much you put in yours in this week's weekly poll: https://www.moneysavingexpert.com/poll/2024/pension-contribution/?utm_source=facebook&utm_medium=social&utm_campaign=msepoll&source=FBORG-MSEPOLL

I’ve had a few clients recently who have been refused a mortgage because of spray foam insulation they’ve had installed in their house. Please beware if this is something you are looking in to as most lenders won’t lend against properties with it installed.

Merry Christmas and a Happy New year to all new and existing clients! What a successful year it has been. I am looking forward to an even better year next year.

❤️ From my family to yours ❤️

https://partnership.sjp.co.uk/mcmillanconsultants/article/detail/sjpp/five-things-you-need-to-know-about-inheritance-tax.html?j=561004&sfmc_sub=236692590&l=238_HTML&u=21014888&mid=510006270&jb=19008

Five things you need to know about Inheritance Tax We all want to do the right thing by our families. Recent research published by St. James's Place revealed more than two-thirds (69%) of SJP clients expect to provide some form of financial support for their family at some point1. And more than one-third of those people expected that support to be i...

A lot of clients ask me how they can save money for the future generation:

How can I invest for my children? How can I invest for my children?

https://partnership.sjp.co.uk/article/detail/sjpp/weekwatch-20-02-2023.html?j=413225&sfmc_sub=236692590&l=238_HTML&u=14508780&mid=510006270&jb=9008

WeekWatch - 20/02/2023 WeekWatch - 20/02/2023

As a Wealth Management Consultant, I have over 8 years’ experience in Financial Planning & Advice. From individuals to large families I have advised in a number of areas which a focus on Pensions, Investments & Inheritance Tax Planning.

I have proven and recommended expertise in many areas, including:

- Retirement Planning including Pension advice
- Savings and Investments
- Protection Needs – Including Life Cover, Critical Illness, Income Protection and Estate Protection
- Mortgages – Residential & Buy to Let (personal and Ltd Company)
- I am a specialist on The NHS Pension Scheme
- Estate & Inheritance Tax Planning
- Trust Planning

My expertise lies in helping you gain a more in-depth understanding of your present financial situation and constructing a more efficient and progressive financial plan to help achieve your future goals.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage

The value of your investment can go down as well as up. You could get back less than you invested.

Trusts and some buy to let mortgages are not regulated by the Financial Conduct Authority.

The Partner Practice is an Appointed Representative of and represents only St James's Please Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St James's Place representatives.
SJP Approved ...

[email protected] - 07449 842928

Today marked my proudest, most rewarding and humbling day as a Financial Adviser so far.

I recently had a new client approach me to talk about pensions. He told me that he has terminal cancer with a few months left to live. He wants to take out the tax free cash from his pension and leave the rest behind for his 2 sons. His plan for the money is to live out his remaining time doing things that he loves without having to worry about money.

Unfortunately his current pension provider did not offer this option and he has been bamboozled trying to sort it online. He wanted to get this done as soon as possible so it is one less thing for him to worry about whilst going through his treatment.

I reassured him straight away that I would get this sorted for him in the easiest way possible and managed to get it written, processed, checked and finalised within a week. We are now just waiting for the funds to be released in to his bank account so he can go and enjoy the things he told me about.

He gave me the most heart warming thank you and explained how much it meant to him to have someone to help him through this process. It really hit me hard bringing tears to my eyes speaking to him and seeing how at ease he was with his situation and how strong he was being about it.
It’s helping people in situations like this which makes me proud to help people everyday. The smallest thing we do today can have a massive impact in the long-term.

Bank of England Set for Biggest Interest Rate Rise in 27 Years The Bank of England this week is expected to push through the biggest interest-rate increase in 27 years and unveil its strategy for unwinding some of the £895 billion ($1.1 trillion) of stimulus it delivered over the past decade.

https://www.linkedin.com/posts/st-james-s-place_costofliving-inflation-activity-6955506699919048704--rZe?utm_source=linkedin_share&utm_medium=ios_app

St. James’s Place on LinkedIn: #costofliving #inflation The cost of living crisis deepens, with inflation hitting 9.4% today. Our research of the UK's financial condition and people’s individual responses to...

I have met a lot of clients recently that are only starting to look at their pension when they have reached the age of 55. After our analysis we have found that if they had spoken to me a few years earlier that they would have been able to retire with a bigger pot than they have.
I offer a no obligation pension review for anyone who needs it and it can add a lot of value to your future lifestyle. Get in touch if you want to have a chat

Fifth of Britons fear they’ll be working into their 70s, poll finds Half of adults ‘cannot imagine’ ever ceasing work entirely, according to survey

https://www.google.com/amp/s/www.birminghammail.co.uk/news/midlands-news/mortgage-rules-changes-coming-effect-24595936.amp

Mortgage rules changes coming into effect on August 1 as homeowners warned A fresh shake up is coming within just DAYS.

Callum Healey - Financial Adviser, Pension Specialist is now on WhatsApp.

Do you have a mortgage that needs renewing? Or are you looking for a mortgage?

Did you know I offer a fee free mortgage service! Get in touch for a chat

Do you have pension? When is the last time you had it reviewed?

With the markets being quite volatile at the moment it’s important to know that your retirement pot is in the right place to avoid reductions in value as much as possible.

I offer a free pension review where I will help you understand what you have and what it will be when you reach retirement age. Just send me a message and I will book you in my diary

McMillan Wealth Consultants Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.
SJP Approved 11/10/2023

I am excited to announce that as of today, I have joined McMillan Wealth Consultants Limited, Partner Practice of St. James's Place Wealth Management as a Wealth Management Consultant!

The company provides a truly holistic, client centric proposition combined with the gold standard of financial advice.

It was a pleasure working alongside so many inspiring colleagues at Wesleyan – A special thank you to every one of you. I look forward to catching up soon.

Callum Healey - Financial Adviser, Pension Specialist updated their address.

With climbing bills and low interest rates now is the time to talk to a financial adviser and get your money in order. If you don't tell your money where to go it will go anyway.