About you
Later life
planning
As your life changes, so does the financial advice you need.
As you get older, you need expert advice that will see you through your later life, as well as to help family members when you’re no longer here.
We can help reduce any worries or concerns you may have regarding planning for later life by building a tailored financial strategy that ensures your future needs and wellbeing are cared for.
Improve tax efficiency to ensure more of your wealth stays in your family
We know it isn’t always easy to discuss what you’d like to happen to your wealth after your death. However, having conversations earlier rather than later has many benefits.
Being fully informed of your options allows you to make decisions that will benefit your loved ones in the short, medium and long term.
Understanding trusts and how they can help
Tax rules can be complex and navigating the complex laws around Inheritance Tax, estate planning and the setting up of trusts is tricky and requires expert financial advice.
We know these topics are hard to discuss, but we’re passionate about helping families gain from the benefits of financial planning.
Ensure your money can cover any long term care needs for you and your family.
Planning for long-term care involves several important steps to ensure you’re prepared for any potential future needs, you need to think about the financial impact but also the emotional impact of any decisions.
Discuss your plans with loved ones to ensure your wishes are documented, and ensure they are regularly reviewed. We will be there to support you through these tough decisions.
Release money for the here and now
Accessing a portion of the equity in your home could be an option and a way to unlock the value tied up in your property.
The released funds can be used to supplement your income, cover unexpected expenses, fund home improvements, or even support family members.
We can guide you through the options available to you
The service we have received from Peter and FMS over the years has been outstanding – responsive, professional, trustworthy, often going beyond the call of duty.
Our investments have done pretty well too!
I would and do recommend Peter and FMS to anyone looking for personalised and professional financial advice
I have no hesitation in recommending FMS Sevenoaks as a small and friendly firm of independent financial advisers who look after clients on a personal level. They give those clients the reassurance and knowledgeable financial advice that is sought in an ever-demanding and changing environment.
Graham has provided a structured and clearly set out retirement income strategy that enabled us to meet our objectives of gifting money to our children and also restructuring a retirement income more tax-efficiently. We both agree his advice has been first class based on his excellent knowledge of the financial markets.
As a customer with FMS for decades I've always been comfortable with the service they provide and confident about the advice they give me. It's been a long-term relationship - and that's what you need in a financial adviser.
Financial Management Services (FMS), and specifically Peter Collinson, have been advising us on our family finances for over 15 years. From the first telephone conversation, and subsequent meeting, my wife and I both felt that Peter was the sort of person we could work with. We have recommended FMS to friends and other family members. Anyone who has taken up their services has also been pleased with the results. I would highly recommend FMS to anyone looking for an independent financial adviser.
Pensions and tax are complex. when I contacted Graham, at FMS, after our initial discussion, which went into far more detail than any others I’d had, gave me confidence that they could help me achieve my requirements, and feeling I was left with a far clearer understanding of all my options. I left our first meeting with confidence that I had engaged with the right financial adviser. I am now planning for the future with Graham with confidence and have a lifetime plan in place.
Your journey
Our experienced advisers are here to guide you through your journey towards financial freedom. This can be a lifelong process, but it starts with five simple steps.
