Business Details
41 Years
experience
Your Trusted Financial Partner in Northern Ireland
Established in 1985, we are one of Northern Ireland's leading financial planning practices. Our approach combines innovation with holistic strategies tailored to individual and business client needs. With over 35 years of expertise, we prioritise client requirements through impartial advice across pensions, investments, and tax-efficient wealth management. Our team of qualified specialists delivers customised solutions, maintaining strong industry collaborations with legal and accounting professionals. Regulatory compliance is ensured through our Financial Conduct Authority authorisation, complemented by ongoing client education initiatives like our annual tax-year planning guide. 
Services
Pensions Planning
Investment Management
Protection Cover
Mortgage Advice
Retirement Planning
Estate Tax Planning
Corporate Employee Benefits
SSAS Administration
Tax Efficiency Strategies
Details
- Year established: 1985
Highlights and features
- 35+ years of local financial planning expertise
- Team of qualified Chartered Financial Planners
- Tailored solutions for complex financial arrangements
- Collaborative approach with legal and accounting professionals
- Regulated by the Financial Conduct Authority
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Personalised approach
Regulatory compliance
Industry expertise
Collaborative network
Services
Pensions Planning
We review existing pension arrangements and establish new plans tailored to individual needs. Our specialists advise on annual allowances and complex issues like tapered allowances for high earners. We help clients maximise tax-efficient savings through SIPPs and SSASs while ensuring compliance with current regulations.
Investment Management
Our approach considers diversification, risk tolerance, and tax efficiency to build custom investment strategies. We focus on long-term growth through regular portfolio reviews and economic analysis, utilising ISAs, pensions, and VCTs to optimise returns while maintaining appropriate liquidity and emergency funds.
Estate Planning
We specialise in tax-efficient wealth transfer strategies using trusts and inheritance tax exemptions. Our planners help clients maintain lifestyle quality while minimising tax liabilities, ensuring smooth intergenerational wealth transfer through carefully structured legal arrangements.
Corporate Benefits
We design employee benefits packages that enhance workplace satisfaction and retention. Services include group pensions, income protection, and business continuity planning tailored for SMEs and large corporations, ensuring tax efficiency and regulatory compliance.
Tax Planning
Our strategies maximise tax allowances through ISAs, CGT exemptions, and pension contributions. We advise high-net-worth clients on advanced techniques like Venture Capital Trusts while ensuring all recommendations align with current HMRC regulations and client risk profiles.
People
Terry Lappin
Managing Director
Leading the firm with over 35 years' experience in financial services, Terry oversees strategic direction and client service standards across all practice areas.
Alan Thomson
Chartered Financial Planner
Specialising in complex pension arrangements and tax-efficient investment strategies, Alan brings extensive expertise in long-term financial planning.
John Dooher
Business Development Director
Focusing on corporate client relationships, John develops tailored benefits packages and business protection solutions for organisations of all sizes.
Stephen Cross
Employee Benefits Director
Stephen leads our corporate benefits division, specialising in group pension schemes and workplace protection strategies for SMEs and large corporations.
Lorraine Rodgers
Operations Director
Managing day-to-day operations, Lorraine ensures efficient service delivery across all client accounts while maintaining regulatory compliance standards.
Questions
What financial services do you specialise in?
We specialise in pensions planning, investment management, tax-efficient wealth strategies, and corporate employee benefits tailored to individual and business needs.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (Registration No: 186761).
Do you offer corporate financial solutions?
Yes, we provide tailored employee benefits packages and business protection strategies for SMEs and large corporations.
How do you approach retirement planning?
We use cash flow modelling to create personalised retirement strategies, optimising pensions and investments for long-term financial security.
What areas do you cover?
Primarily serving Northern Ireland with a focus on Belfast, offering services to clients across the UK through remote consultations.
