Professional financial advice in Yorkshire & Surrounding Areas

I’m human; I understand your hopes and aspirations, fears and concerns, and I am here to help you identify and achieve your financial planning goals and objectives. I place myself in your shoes and administer your affairs with the same care and consideration you would yourself, if you had the time and ability to do so. Everyone is unique, and you can be assured that you are treated as such and that my advice is tailored to you.

TRACEY BROMLEY DipPFS

Wealth Management Consultant

MY APPROACH

I have worked in the wealth management industry for 3 decades, and joined Sovereign Wealth in 2017, having been a St. James’s Place client myself for 5 years prior to that.

My clients are predominantly located in the Yorkshire region, but I also assist clients nationwide, many having been referred by existing clients.

Financial Planning can be complex; my aim is to totally understand your circumstances and requirements, before presenting appropriate solutions and recommendations to you in a clear and concise manner.

Whether you are a private client or a business, I am here to help.

As well as my own expertise, I can call on any number of specialists within St. James’s Place, or from a carefully selected number of industry experts/providers, and I frequently work alongside clients’ own solicitors and accountants to find solutions for any given situation.

I believe that client service is of paramount importance in today’s world; I am here for you through good times and bad, when you need me and when it matters most. Each of my clients is treated with respect and consideration and highly valued; my aim is to build a strong, reliable, long-term working relationship with you for life.

Add to this the strength of St. James’s Place, (a major FTSE 100 wealth management organisation), providing robust support based on a well-established infrastructure, I am confident and delighted to share this experience with you; assured in the knowledge that I can consistently deliver the first-class advice and superior service that you deserve.

HOW I HELP

I truly care, and I can provide client testimonials upon request to support this statement.

With the knowledge and experience that I have amassed over the years, I ensure that the most appropriate course of action is recommended to assist you in achieving your objectives and goals.

I very much look forward to explaining how I can help you individually and welcome you to get in touch.

TOGETHER WE’LL PROSPER

Powering your future

It isn’t the amount of wealth that matters most, it’s what you do with it that counts.

With our help, your wealth becomes the fuel that powers your future – a means of enjoying the life you want and looking after those you love. Whatever your goals and wherever you are in life, we build a financial plan that’s fit for the weeks, months and years ahead.

Effective planning to create the future you want.

What will your future be like? It can be easy to think of the future as being unknowable, but planning ahead can smooth out many of the uncertainties and help your goals and aspirations become reality. When we work with you, we always encourage you to consider the future you want – and then we help make it happen.

Planning helps you…

Identify goals and aspirations
Make important decisions today
Look after those you love
Look forward to the future with confidence

A sound investment in your future.

Investing for the future is fundamental to most people’s financial plans, but understanding how, why and what to invest in requires specialist expertise. We understand that your ideal investment strategy depends on many factors, but by getting to know your reasons for investing and your attitude to risk, we can give you the comprehensive advice you need.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Our investment planning helps you…

Understand your investment options
Spread your investments across the most appropriate assets
Make the right choices for you and your family
Build a balanced, diversified investment solution

Preparing for a richer retirement.

Most people like to look ahead to an enjoyable retirement. For many, it represents the stage of life that will give them time and space to pursue their personal passions. But it takes planning to achieve the retirement you want, and not everyone has the foresight to make the right choices today.

Retirement planning helps you…

Prepare for the future you want
Optimise your financial arrangements today
Plan for life’s ups and downs
Look forward to retirement with confidence

Protection for you and your loved ones.

We can’t see into the future, but we can help you plan for events that might happen and that could have a major impact on you, your family and your wealth. By understanding your situation in detail, we can help protect you from life’s many storms, both minor and major.

Protection planning helps you…

Prepare for life’s uncertain events
Protect your wealth from excessive tax liabilities
Shield your income from the impact of illness
Protect your loved ones if anything happens to you

Although you may have firm ideas about who will benefit from your wealth in the event of your death, making sure your intentions are carried out smoothly can be complex.

All kinds of events can end up knocking your plans off course, and it takes expert advice to make sure your wealth is protected for future generations.

Our team guides you through the process of planning the legacy you will one day leave behind. We consider the effects of inheritance tax and the possibility of unexpected events, making sure your wealth is retained and protected for those you love.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Legacy Planning helps you…

Make sure your wealth is passed on in the way you want
Minimise inheritance tax and capital gains tax
Create a legacy that passes to multiple generations
Protect your estate and assets

A firm financial footing for your business.

Running a business is hard work and it’s important to ensure your hard work is creating financial security. You and your employees all rely on your business, and taking steps to secure its financial future is all part of being successful at what you do.

Financial planning for your business helps you…

Secure your business’s financial future
Look after your finances and those of your employees
Build a stronger, healthier business
Feel confident that your business is well prepared for success

Get in touch

You can call me direct on 07794 460 333 or complete the enquiry form below.

You can also find out more about how I help my clients through Social Media:

LATEST INSIGHTS

KNOWLEDGE AND RESOURCES

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2021 Budget Report

We are pleased to share this overview of the 2021 Budget announced by Rishi Sunak on 3rd March.

Why should children learn about money?

How can you teach children about money and why is it so important? In this video Rob Gardner, Director of Investments at St. James’s Place, explains why educating children on where money comes from and how to look after it is so key to their future financial security.

Are you clear on your Tax Allowances?

Tax can be complicated, being sure of your allowances is important. This handy Tax card will help you review allowances for the current tax year (2020-2021) which ends on 5th April 2021. Please do treat this as a guide only and seek Professional advice before making tax decisions. If you want to check that you […]

Why is compound interest so powerful?

Why is compound interest so powerful? Rob Gardner, Director of Investments at St. James’s Place, explains how it works and why it’s one of the keys to growing your wealth.

Female Finance: Making Your Pension Count

Retirement is often something we look forward to, hoping that our hard work in the present will pay off in the future. The reality of planning for this retirement is quite different for a lot of women, however. With 48% of women saying they feel unprepared for retirement in comparison to 25% of men, the […]

Taking Control of Your Financial Future as a Female

Only 35% of women feel confident in achieving their long-term financial goals, particularly when it comes to choosing the right financial product.[1] Whether it’s retirement, protection or general financial planning, there are gender disparities that factor into the long-term. Planning your future financially is no small task, and trying to adapt your financial safety net […]

Responsible investment after coronavirus

How the investment community can help advance the environmental gains that have come out of COVID-19

Ways to help safeguard your financial future

How coronavirus has underlined the importance of always being prepared.

The government’s furlough scheme, explained

How employers can benefit from the new measures to support businesses.

Inheritance Tax Calculator

Have you ever tried to estimate how much Inheritance Tax (IHT) may be due on your estate? You may wish to use this ‘ready-reckoner’ to calculate how much IHT might be due – the result may surprise you.

This is provided as a quick guide only – it does not include other reliefs and exemptions that may be applicable. It is also important to note that any gifts made in the past seven years, or entitlements you may have in existing trusts** are not included in this calculation. These may further increase your liability to IHT.

For married couples/civil partnerships, any liability to IHT may not arise until the second death, depending upon the provisions of Wills.

To quickly generate an outline assessment of IHT liability, simply insert your best estimate of the value of your assets into each of the boxes below.

Risk Calculator

Using only the details you enter here, the results will give you a rough idea of the chances of one of the following events happening before your chosen retirement age; death, suffering a critical illness or being unable to work.

ISA Calculator

Investing is a long-term game. Generally, the longer we leave our money invested, the greater the chance of achieving better returns. So why are we often inclined to leave it until the end of the tax year to make use of our annual Individual Savings Account (ISA) allowance? An ISA is one of the most tax-efficient, flexible and potentially rewarding investments you can make.

Use our simple ISA calculator to see how much your ISA could be worth.

Mortgage Calculator

Use our simple mortgage calculator to see how much you could potentially borrow.

You can use the applicant income sliders or simply type in the amount you wish to borrow. The monthly payments and total amount payable figures will change as you use the tool

Retirement Calculator

Calculate how much you need to save to fund the gap in your income at retirement.

Find out more about Sovereign at our corporate site.

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