Affinity Financial Advisors

Expert advice lies at the heart of all the financial products and services provided by Affinity.  Affinity has earned the trust of employers, institutions and individuals for more than 20 years, delivering tailor made solutions to satisfy their financial objectives.  In a fast changing regulatory and economic environment our specialist knowledge in specific areas such as integrated financial planning, pensions, investments and inheritance tax planning is invaluable.

Our Services

We offer a no-obligation initial consultation and financial health check at our own expense.
Just call us on 01590 636472 to set up an appointment

Retirement Planning and Pensions

Investment Portfolio Design and Review Service

Estate & Inheritance Tax Planning

School & University Fee Planning

Business Protection

Care

Equity Release

Meet the team

Blog

About Us

In a fast changing regulatory and economic environment our specialist knowledge in specific areas such as integrated financial planning, pensions, investments and inheritance tax planning is invaluable.

Affinity Financial Advisors (South) is based in Lymington Hampshire, covering the towns and villages of the New Forest including Ashurst, Beaulieu, Brockenhurst, Burley, Fordingbridge, Hythe, Lymington, Lyndhurst, Milford-on-Sea, New Milton & Barton-on-Sea, Ringwood, Sway and we have Financial Advisers who cover Dorset, Hampshire, Buckinghamshire, Oxfordshire, Bedfordshire, Hertfordshire, Surrey as well as North and West London.

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

What our clients say

The service given by Affinity is personal, well focused and effective. I am happy to recommend them
Tony Little (headmaster), Eton College
The Affinity consultant has always had my best interests in mind, been generous with his time and patient with my questions
Dr Norah Moloney PhD
Geoff has given me excellent advice on a variety of areas including investments and pensions. His advice is always succinct, direct and authoritative
Mrs Livingstone
I have received excellent advice from my advisor for over 20 years
Mrs C Meyer
The advisor has always been very knowledgeable, helpful and proactive. He never rushes our meetings and takes time to understand our particular situation. We certainly don’t feel like another number in his list of customers
Dr Ben Rickayzen

Retirement Planning and Pensions

Flexibility is certainly the overriding theme when discussing the recent changes to pension legislation. But what does this mean for you and the options you will have when you need to draw your pension?

You now have the option to draw your pension in full or in part, without the restrictions on the level of income you can draw, with 25% still available tax free. The need for you to purchase an annuity has now disappeared and you also now have the ability to pass any unused funds to future generations with the removal of the 55% tax charge on death.

This means that taking advice is even more crucial than ever if you want to make sure your fund provides you with an income for as long as you require it. Taking large drawdowns may have significant tax implications up to 45% dependent on your personal tax situation. We believe annual reviews will become more focused on tax planning as retirement is no longer just about your pension fund, it will entail reviewing all your assets from ISA’s to Buy to Let’s to see how they can work for you in the most tax efficient way.

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

Investments Portfolio Design & Review Service

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

You may have received an inheritance, downsized or have saved over the years. You may want to maximise your investments for a specific key event in the future or simply ensure that your wealth is maintaining pace with inflation or now require a regular income from your investments.  We will design, manage, regularly review and if necessary adapt your investment portfolio to ensure it continues to meet your needs even if these change in the future.

Take control of your finances.

  • Pensions
  • ISAs
  • Investment Bonds
  • Unit Trusts/OEICS
  • Offshore Investment Bonds
  • Enterprise Investment Schemes (EIS)
  • Seed Enterprise Investment Schemes (SEIS)
  • Venture Capital Trusts (VCT)
  • Business Property Reliefs
  • AIM Portfolios

Estate & Inheritance Tax Planning

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

There is more than a little truth in the famous comment made by the Labour politician Roy Jenkins in 1986, “Inheritance tax is, broadly speaking, a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue.” There is certainly no need to pay more inheritance tax (IHT) than you absolutely have to, and with the benefit of careful planning IHT can be reduced considerably or mitigated completely.

There are several ways to reduce your IHT bill using exemptions and allowances and a bit of forward planning including:

  • Gifting
  • Charity Benefits
  • Wills and Trusts
  • Insuring against IHT
  • Enterprising Investment Scheme
  • Business Property Relief
  • AIM Solutions
  • Pension Changes
  • From 2017 Residential Nil-Rate Band

School & University Fee Planning

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

With school fees rising above the rate of inflation and with the removal of the cap on university tuition fees, it’s never been harder to give your children the education they deserve.

School and University fees are taking a large slice of parent’s pay packet, which is why many grandparents are helping to fund the cost of their grandchildren’s education. As a consequence of this they should be able to reduce the size of their estate for IHT purposes.

Some planning areas forming part of the overall school or university fees strategy include:

  • ISA’s
  • JISA’s
  • Offshore Investment Bonds
  • Friendly Society Savings
  • Unit Trusts/OEICS
  • Bed & ISA
  • Life Assurance Plans

Business Protection

Good financial planning can help determine the success or failure of running a business. To help ensure the survival of your business it’s important that the business has suitable protection in place. All businesses have insurance such as vehicle, stock, professional indemnity, public and employers liability to name just a few.  However, the majority do not have insurance for their most important asset the key people who are responsible for the success of the business and without them it may not survive.

 

Business protection is a way of helping to protect against possible financial losses in the event of the death or critical illness of a shareholder, partner or key individual, during the term of the policy. It can help ensure that your business survives and continues trading during difficult circumstances and also allows the family of the key person to be financially secure by the business having the funds available to purchase their inherited share of the business.

To help ensure the long term financial security of your business in the event of losing key people to death, terminal or a specified critical illness.We offer a no-obligation initial consultation and financial health check at our own expense. 

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

Long Term Care

Long Term Care plans are designed to help insure those entering a care home that their needs are met for longer than their existing savings can support or for those who require the peace of mind knowing that a proportion of their assets can be passed to the next generation.

In exchange for an upfront, one-off lump sum investment, the plans offer an agreed income for life, which is used towards the cost of care, regardless of how long that care is required.

Long Term Care plans are individually underwritten therefore the cost will be dependent on personal circumstances such as health, how much you require to cover care fees once pensions, benefits and other income has been taken into account.

Before going into care, a means tested benefit assessment should be carried out by your local authority to identify any benefits that you should be receiving and any shortfall that may exist. It is important to note that any income you are receiving, from any source, may affect your eligibility for grants and allowances.

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

Equity Release

Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. If you want to top up your pension income or your pre-retirement income and you own your own home it is possible to borrow against its value to provide additional income or capital, without any need to make repayments. The interest is added to the debt and is paid off when you die. There are two equity release options:

  • Lifetime Mortgages
  • Home Reversion

no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472

Meet the Team

We offer a no-obligation initial consultation and financial health check at our own expense.
Just call us on 01590 636472 to set up an appointment

Geoff Dunk
Geoff DunkIndependent Financial Advisor (DipPFS, Certs CII (MP & ER))
I have worked in the financial services profession since the early 1990s. Good financial planning involves building trust with a client, ensuring they are always well informed about their finances, the options they have and the correct solutions available to them. Above all I believe in treating people the way I like to be treated; with honesty, understanding and respect. I am a member of both the Personal Finance Society (PFS) and the Chartered Insurance Institute (CII).
Steven Groves
Steven GrovesIndependent Financial Advisor (DipPFS)
Having now been in the financial services industry for nearly 30 years I have seen many changes to financial regulation, tax issues, the highs and lows of the stock markets and world economic recessions. The thing that has not changed is that my clients have continued to want good, basic, honest and common sense advice from life cover, pensions and inheritance tax issues to advice concerning completion of their Wills and other financial matters.
Rob Salter
Rob SalterIndependent Financial Advisor (DipPFS)
As an IFA I enjoy the autonomy of personal interaction with clients. We work together and the plans we create are my responsibility. The “ownership” this creates means that other than yourself no one cares more than I about you, your money and what happens to it. That is why this job is special and a privilege. I am blessed to have found such a rewarding career and met so many lovely people.
Paul Hockley
Paul Hockley Independent Financial Advisor (DipPFS)
Coming from an Insurance background I’ve worked in the industry since 1995 with the Prudential, Allied Dunbar before becoming an Independent Financial Advisor in 2000. Married with two children who if time allows enjoys playing football and watching cricket.

“Plan for the future because that’s where you are going to spend the rest of your life” – Mark Twain.

Bryan McNamara
Bryan McNamara Independent Financial Advisor (DipPFS Certs CII (MP & ER))
I have worked as a Financial Advisor for over 20 years, and in this time I have built up an excellent client base with referrals to friends and family, building generations of families as valued friends and clients. I am a certified member of both the Personal Finance Society (PFS) and the Chartered Insurance Institute (CII).
Mike Oyston
Mike Oyston Independent Financial Advisor (DipPFS)
Been in the industry for over 20 years. Married with 2 children. Enjoy most sports particularly football and golf. With continual changes in products, legislation and regulation, life is never dull and there is always plenty to do!
Aaron Chichon
Aaron Chichon Mortgage Advisor & Trainee Independent Financial Advisor
Having worked in the Financial Industry for over 12 years as an Independent Mortgage Advisor I am now studying towards achieving full Independent Financial Advisor status. For me, there are few things more rewarding than a satisfied client referring me to their trusted friends and family.
Paul Parsons
Paul ParsonsMortgage Advisor & Trainee Independent Financial Advisor
I am a fully qualified Independent Mortgage, Equity Release and Protection Advisor. I have been in Financial Services for the past 10 years and I am currently studying towards Independent Financial Advisor status.
Kim York
Kim YorkDirector
I’ve worked in financial services since 1981, initially with large companies, in both advisory and management roles. In 1999 the opportunity came to take this experience and be involved in the set-up of this Independent Financial Advice practice. For the past 13 years I’ve worked mainly behind the scenes providing support when and where the business needs it.
Mark Sydenham
Mark Sydenham Research (DipPFS)
I have worked in the Financial Services Industry and General Insurance industry for 27 years. My experience extends through servicing a large client bank at The Co-Operative working as an IFA for a local firm, in Bancassurance with Santander and advising on Commercial Insurance with a local General Insurance broker. With Affinity I feel I have ‘come home’ in my new role using my experience to support the advisers in the excellent work they do by researching customer financial solutions and report writing.
Stephen Cook
Stephen CookOffice Manager
I have worked in the Financial Industry since 1976; 25 years with Prudential, and then in 2001 as an Independent Financial Advisor with Affinity. In January 2013 I became an Independent Protection Advisor, and took on the extra role of Office Manager.
Married since 1979 with 2 daughters, I enjoy holidays and most sports, but play golf badly.
Lynsey Ridgley
Lynsey RidgleyOffice Administrator
I have worked in all areas of financial services over the past 10 years including Mortgage underwriting. Having had a break to look after my young children I now work at Affinity with special responsibility for the administration of our fund performance review service.
Lis Hallam
Lis HallamOffice Administrator
I worked for a High Street bank for 18 years, and came to Affinity in 2007. I am one of the Office Administrators, supporting the IFAs.
Sue Taheny
Sue TahenyOffice Administrator
I joined Affinity in 2004 as an Office Administrator, supporting the advisors. Like Lis, I come from a banking background but please don’t hold that against me.

Risk Warning:

The value of investments and the income arising from them, can go down as well as up, and you may not get back what you invested. Past performance is not necessarily a guide to the future. Investors may lose some or all of their money. Any information contained within this website should not be deemed to constitute investment advice and should not be relied upon as the basis for an investment decision. Your home may be repossessed if you do not keep up repayments on your mortgage or debts secured against it. Think carefully before securing other debts against your home.  The FCA does not regulate taxation and trust advice or will writing.

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no-obligation initial consultation and financial health check at our own expense.

I would like to speak to an advisor for free
01590 636472