Birmingham Lake

"Wealth is not his that has it, but his that enjoys it"

-Benjamin Franklin

Traveling in the Alps

"Wealth consists not in having great possessions, but in having few wants"

-Epictetus

Traveling in Crete

"Time is the most valuable thing a man can spend"

- Laertius Diogenes

Morris Dancing Birmingham

"The glow of one warm thought is to be worth than money."

-Thomas Jefferson

Alan Moran Independent Financial Adviser Birmingham

"I don't care too much for money for money can't buy me love"

- The Beatles

Traveling in the Red Sea

"Simple, genuine goodness is the best capital to found the business of this life upon. It lasts when fame and money fail, and it is the only riches we can take out this world with us."

-Louisa May Alcott, Little Men

cliffs of dover

"And though I have the gift of prophecy, and understand all mysteries, and all knowledge, and though I have all faith, so that I could remove mountains, and have not charity, I am nothing."

-St. Paul

Finance in the Big City

"Not he who has much is rich but he who gives much"

-Erich Fromm

Birmingham UK Sunset

"Life is what happens to you while you are busy making other plans"

-John Lennon

Travels - A well lived life

"I pity that man who wants a coat so cheap that the man or woman who produces the cloth shall starve in the process"

-Benjamin Harrison

Wealth Preservation Planning

What is your asset protection strategy?


Most clients would prefer that they are in control of what happens to their wealth if they become unable to manage their own affairs or when they die. They would also prefer that their financial arrangements enabled their wealth to be passed to beneficiaries of their choosing and that they minimise the amount paid in taxes or in other costs.

Trusts were initially created for the Nobility almost 1000 years ago and they continue to use them today. Setting up your trust is your chance to follow their example and ensure that your wealth receives the same advantages of maintaining control and mitigating tax.

While contemplating one’s incapacity or demise is not the most uplifting of subjects it is vitally important and we make it as easy as possible for our clients to complete. We have worked through your life planning, your cash flow planning, and your wealth management, and you do not want to find that your financial world comes tumbling down because you have not put the right paperwork in place.

Writing a Will is important but it is hardly ever sufficient and a Trust is essential to maintain control of your assets. In essence your Will leaves everything to your Trust which lists beneficiaries and potential beneficiaries. Your Memorandum of Wishes is where you explain the detail what you want to leave and to whom. The Will, Trust, and Memorandum of Wishes puts everything in place, puts you in control, and makes changes easy if needed in future.

Everyone should have registered LPAs in place and these need to be stored in a secure place where your attorneys can get hold of them quickly when required. Your lasting powers of attorney are there if you cannot manage your own affairs. This could be due to accident or ill health. These need to be professionally drawn up so that you can be confident that they will do the job when called upon. There is nothing worse than waiting until they are needed and finding that they have been drawn up incorrectly. We know of cases where the sole attorney can no longer act, that they can’t be found, or that they haven’t been registered and your attorneys have to wait 3 or 4 months before they can act. I personally think that for you, your LPAs are more important than your Will because they effect your wellbeing during your life time whereas your Will only takes effect after you have died.

I can help you ensure that you have done all that you need regarding protecting your assets. I have over 20 years’ experience in this area and I work with Countrywide Tax & Trusts who draw up all of the legal documents. I am also a Fellow of Society of Will Writers and an Affiliate of The Society of Trust and Estate Practitioners.

What our Clients say

 

Alan has the ability to listen and care about people

We first met Alan in 1999; we both wished that we had known him many years before. Alan has several attributes, in addition to his financial skills, the ability to listen and caring about people. From the first day that we met our financial affairs became organised, now to the point where we can say that we never have any financial worries, in fact we seem to be better off financially now more than ever before. All due to Alan's guidance and expertise. We both consider Alan a very good friend, nice to know he would be there if we needed him.

Norman & Peggy Howell, Birmingham

I always receive a fast and efficient response

It has been almost ten years now since David and myself first consulted you for advice and guidance on financial matters, so I feel that it's time that I wrote to thank you for the help and assistance that has always been forthcoming. Shortly after we had moved house in 1992, you advised us to switch from one type of mortgage to another, which turned out to be the most successful financial move we had made in years. Over the years we contacted you for financial advice and guidance when our daughter was heading for University, on taking out life and house assurance policies and general financial overhauls. Your recommendations have always been sound and given in a manner both efficient and friendly, none more so than when I was widowed just over two years ago and needed a considerable amount of help, immediately given upon request and with great sensitivity during what was a very difficult time for me. There is little I can add, except to also thank the rest of your staff, friendly voices at the end of the telephone who take and pass on my enquiries and ensure that I always receive a fast and efficient response. I can recommend, without reservation, Interface Financial Planning Limited.

Maureen Pittaway, Sutton Coldfield

A very special and caring person

Alan - A very special and caring person, who it's been a pleasure to meet - thank you again it's been a privilege and honour, your kindness has been second to none and we know you've helped probably more than you should but I can assure you it was all very much appreciated, more than you know.

Bill & Sue Ralph, Oldbury, West Midlands

Advice that has been invaluable

Alan has been our financial adviser for 5 years. He is professional, well informed and reliable, and his advice has been invaluable to us. He and his staff are courteous and efficient, and we have no hesitation in approaching him for advice on any aspect of our finances, or in recommending him to relatives, friends and colleagues.

Tony & Sue Critchley, Lichfield

Always friendly and considerate

Alan Moran has acted on our behalf for over 10 years. Alan has over this time always listened to our requirements and fed back to us the best options, given our constraints and made very useful alternatives suggestions. He has always been friendly and considerate. I would not now consider making any financial investment or savings decision without first consulting him.

Ian & Joyce Miller, Birmingham

Honest and always takes the time to explain everything thoroughly

Alan has acted as our family Financial Adviser for many years. He is honest, non-pushy and always takes the time to explain everything thoroughly as often as needed. Alan is not only our Financial Adviser but we regard him as our friend. We would have no hesitation in recommending him and his staff to anyone who needs a Financial Adviser they can trust.

Malcolm & Sylvia Smith, Perry Barr, Birmingham

Alan's sound advice has improved my life no end.

I was introduced to Alan Moran in 1999. I was juggling my finances just to keep afloat and was wary of taking outside advice. A close friend of mine recommended Alan as a reliable and honest adviser who would take great care in choosing the right path to get my financial affairs on track. Trusting their judgement, I arranged to meet Alan. I was treated with the utmost care, given time to consider the guidance that Alan provided and never pushed into taking on financial services. Meeting Alan and acting upon his sound advice has improved my life no end. Even on a limited income, prudent planning has enabled me to save for annual holidays and even cope with the occasional unexpected expense as well as keep up to date with all of my bills. I count Alan among my friends and have recommended him to both my sister and my parents. He really is the genuine article and I cannot thank him enough for all he did for me.

Zena Davis, Coventry

Alan's knowledge of financial matters is very comprehensive

Alan was introduced to me by a friend at the time when my finances were a mess and I just didn't know what to do for the best. Calmly, kindly and sympathetically Alan sorted everything out. Since then he and his wonderful team have sorted out my house and car insurances, my son's mortgage and pension plan and, last but not least, guided me through the ramifications of buying a property in Spain. I have recommended him to friends, as his knowledge of financial matters is very comprehensive and sound. Alan is able to offer advice without making the recipient feel a complete idiot and he takes time to explain things thoroughly and in a way that is understandable.

Tricia Adams, Cannock, Staffordshire

Alan's sound advice has improved my life no end.

I have been a client of Alan Moran's for 12 years and during that time he has given me valuable advice on all aspects of finance. He always explains everything thoroughly and has been particularly supportive during periods of crisis in my life. He helped my late husband and I when his business went into liquidation and was even more valuable when my husband died, pointing me in the right direction with my finances and getting me to invest my money sensibly and with the just rewards that I am now experiencing. I regard Alan not only as my Financial Adviser, but also as my friend, and would, and in fact have, recommended Interface Financial Planning Services to anyone needing a Financial Adviser they can trust.

Marian Poolley, Sutton Coldfield

Efficient and reliable in terms of financial decision making

Alan Moran has been our independent financial adviser for a number of years. He has proven to be an efficient and reliable person to guide us in terms of financial decision making with regard to planning and management of current and future economic matters. He is friendly, discreet, careful and always courteous.

Chris & Tony Hampton, Halesowen

Highly professional, friendly and supportive approach

We have been clients of Alan Moran (Interface Financial Planning Ltd) for over five years. In this time, his highly professional, friendly and supportive approach has provided us with a thorough review of all aspects of our finances. We are now in a position where both our short term and long term financial planning is well organised and structured to suit our personal needs. We have recommended Alan and his team to many of our friends and know that they, like us, have been impressed and grateful for the care he has taken to provide such individual service.

Ann & Allan Rowlands, Handsworth Wood, Birmingham

Professional and friendly manner

Just dropping you a line to say thank you for all the help you've provided us throughout the purchase of our house and the investment policies you've recommended us. May we both thank you for the very professional and friendly way, in which you handled our business, and look forward to hearing from you in the future.

John Fletcher & Linda Davis, Bromsgrove

Wouldn't hesitate to recommend

We were recommended to Alan by my brother in law and have been very pleased with his advice and assistance. Since using his services, we have organised our Wills, Pensions and re-jigged our finances, and now would not consider making any financial investment or savings decision without first contacting him! We would have no hesitation in recommending his services to anyone requiring sound independent financial advice.

Richard Salaman & Emma Staples, Surrey

Valuable advice on our mortgage, future planning, savings and pension investments.

Seeking financial advice for the first time, I received details of three local IFAs. However, these cold statistics gave no idea of the actual person to whom I would need to entrust confidential information. Sometime later I came across an article in a local paper by Alan (Moran) in which the writer came over as friendly and trustworthy as well as being a qualified IFA. Having contacted Interface Financial Planning, the result has been a friendly relationship and valuable advice on our mortgage, future planning, savings and pension investments.

Mike & Gloria Nash, Great Barr, Birmingham

I have never had a single financial concern

The best thing financially that I ever did when I contacted Alan. I have never had a single financial concern and he has supported me through difficult times including the death of my dear wife.

Norman Howell, Birmingham