Ian Sparks

I pride myself on offering comprehensive personal financial service to all of my clients, many of whom I have advised for a number of years. The business has grown since 2001 and I have built a team of loyal employees who support me in delivering first class independent financial advice to my clients who are mainly within Poole and Bournemouth conurbations. My clients are known on a first name basis and I have become central to all aspects of their financial planning decisions, often advising several generations of the same family across the UK. I am authorised by the Financial Conduct Authority and have been an Independent Financial Adviser (IFA) since May 2001. I hold the current Statement of Professional Standing from the Charted Insurance Institute and a Level 4 Diploma in Personal Financial Planning. As an IFA, I advise on all aspects of personal financial planning including, investments, pensions, new flexible pension drawdown cases over £100,000, conventional and enhanced annuities under £100,000, life assurance, critical illness cover and mortgages. I also hold specialist qualifications in Inheritance Tax planning and equity release. Appointments are available daytime or early evening and the first meeting is at my expense. Call my office now for an initial appointment. I specialise in creating bespoke pension drawdown and investment portfolios incorporating current themes of environmentally sustainable and ethical funds. Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help to understand the best level of life, critical illness and income cover for you. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.