Welcome to Strata Financial Limited

Pension, Retirement & Estate Planning Specialist IFAs

What we can do for you.

For nearly 25 years our friendly, independent, family firm has been helping clients achieve and maintain their desired lifestyles.

Visualise. Plan. Achieve.

  • Using the latest technology we can build a computer model of your financial life so you can visualise your current and likely future financial situation and in turn, help you crystalise your thoughts and make good financial decisions.

  • When can I afford to retire?

    Do I have enough money to retire early?

    What’s the best way to access my pensions tax-efficiently?

    • We can model early retirement, business sales & exits, special purchases, milestones, inheritance tax, gifting, ill health, premature death and more.

    • Our expert advice on pensions, investments, life and health insurance, Will drafting and trust creation provides comfort and peace of mind.

    • Our initial financial plan and schedule of actions helps to get your financial life in order and your plans underway.

  • We can help you implement the actions necessary to achieve your objectives and we offer regular reviews, updates and planning meetings to keep you on track.

  • Contact us to arrange an initial, free and without-obligation telephone consultation to get to know each other, understand where you are in your life and get an overview of your current financial situation. We will explore what led you to Strata and talk about what kind of things are important to you, your family and why - so we can give you an insight into how we do things, what you can expect and explain our charges.

Do you have questions about your Pension & Retirement Planning?

If you are thinking about your future or you are concerned about the present, Strata can help.

Independent financial advisers.

As independent financial advisers, we have the freedom and flexibility to choose from the whole market of products and services that best match your financial objectives and preferences. We are not affiliated with any product providers, banks or insurance companies, so we can provide unbiased and tailored advice that meets your specific needs and goals.

Authorised and Regulated.

We are authorised and regulated by the Financial Conduct Authority (FCA). This means that we have met the high standards of conduct and professionalism required by the FCA and that we are committed to providing you with fair, transparent and principled financial services.

Free initial Meeting.

We offer a free initial meeting with a Specialist Planner. This is a great opportunity for you to get to know us, ask any questions you have and discuss your options.

WePlan - Strata’s innovative, step-by-step, planning process is designed to help clients achieve and maintain their desired lifestyle and transfer wealth tax efficiently throughout life and beyond.

We use sophisticated computer modelling to simulate clients financial futures and we provide clear and actionable recommendations. Our financial planners are knowledgeable and experienced in delivering comprehensive advice in plain language.

WePlan is suitable for people who need advice on life planning, investing, pensions, inheritance tax mitigation, wills, estate planning and family trusts, general tax advice and catastrophe planning.

To us, money is not an end in itself, but rather a means to empower.

Need help planning your lifestyle, retirement or estate?

With our one to one coaching, guidance and mentoring, Strata can help you crystallise your thoughts, plans and ideas.

  • Most people want to get a grip of their financial affairs and to implement plans which will achieve their objectives

  • Many people need assistance to plan their future retirement income:

    When can you afford to retire and do the things that are really important to you and your family?

    Will you always have enough money but if you may not, what do you need to do?

    What should you do with every asset, liability, pension, savings account and investment you have acquired to fulfil your plan?

    Should you implement pension drawdown or buy an annuity, or both?

  • Building society or bank deposits?

    Individual Savings Accounts?

    Unit Trusts or Insurance Bonds?

    Stocks & Shares or Property?

    Venture Capital Trusts or Enterprise Investment Scheme?

    Self Invested Pensions?

    We will help you decide your attitude to risk, your capacity for loss and where to invest your money

  • What if your outgoings exceed your incomings?

    We will undertake a fundamental review

    We can help you compare the alternatives of increasing cash inflows or reducing cash outflows

    We will introduce you to our straight-forward cash flow management process to allow the spending and enjoyment of your money

  • Avoiding tax is legal but expert guidance is advisable

    We can help you take advantage of those tax breaks which still exist

    We can help ensure that some of your future cash inflows will be completely free of tax in your hands

  • Many businesses need to make more money but some don’t realise how much more they need to make and may be aiming at the wrong objective

    We can offer some helpful pointers via business analysis

  • Without proper planning there is a danger of running out of money

    We provide a Lifelong Cash Flow Projection to show where you will end up on agreed assumptions and if it doesn’t look good, we will help you make the adjustments needed to secure your financial future

  • We analyse the potential financial consequences of you or your partner dying prematurely or being ill and will help you decide how to avoid possible problems

  • Many people worry about maintaining dignity and comfort in old age and about losing their home and assets in the event of needing long-term care  

    We can help you maximise the chance of being able to stay in your own home and to be able to fund appropriate nursing and domestic support and protect your home for your children 

  • Protecting your assets for your family from the threats of local authority care costs, creditors, remarriages, relationship breakdowns and inheritance tax

    We can create Wills that direct your assets into Family Trusts to preserve wealth for your bloodline relations and create lasting powers of attorney’s in case you ever lose the capacity to look after your own affairs

Just some of the problems or questions clients have brought to Strata…

Pensions and Retirement Planning

I have pensions but no planned investment or income strategy - when can I afford to retire and still have a good standard of living?

Lifelong Cashflow Forecasting

I would like to have a financial plan to achieve and maintain my lifestyle without fear of running out of money, even if I live to a great age.

Tax-Efficient Commercial Property Purchase

I would like to buy premises for my business to trade from and protect them from threats in a very tax-efficient environment.

Adviser Takeover

I am dissatisfied with the service from my current financial adviser firm since they have been taken over - can you really make it easy to switch to Strata?

Inheritance Tax Planning

I need help with an effective estate planning strategy, one that enables me to pass on my wealth to the people I care about and minimise the amount of tax I pay.

Business Consultancy

I would like to make certain I've taken all the right measures to achieve my business goals and to protect my business.

Investment and Wealth Management

I need help forecasting my long-term needs. I want to protect and grow my assets and make sure I can pass on my remaining wealth to my family.

Wills and Family Trusts

As part of my estate planning strategy, I need help with wills and family trusts. I want to make sure I have everything in order should the worst happen.

Protection

I want to have peace of mind by having some financial security in place for my family and loved ones if something happens to me.

  • "It is a pleasure to write this testimonial for Strata. Simon Cook has guided us through our financial journey for over 20 years. His sons are now also helping us with this journey. It is very reassuring to have someone who can keep their eye on the ball whilst we work and, in our chaotic lives, guide us with financial decisions. Strata also replies efficiently and with sage advice. We feel completely confident with all the decisions they have helped us make. Whilst feeling the company is highly professional, they know us as a family, our lives, our children and our aspirations. They have been instrumental in planning for our future. We cannot recommend them highly enough."

    S & A, Consultant Surgeon Practice, Lancashire

  • “The speed and quality of service and attention have always been excellent. From the question being asked to the action being taken is remarkably speedy. We are confident we can live out our lives without financial worries.”

    R & R, Retired Professionals, West Midlands

  • "Strata has the knowledge and expertise to manage & grow our investments in a way we could never have had. Each step of the way is well explained - as many times as we need! - to ensure we understand & are comfortable with the process at the same time being realistic with potential outcomes. As a result we feel privileged to have been able to maintain our desired lifestyle."

    B & J, Retired Business Owners, Worcestershire

  • "Strata have sorted out my finances and lifestyle planning in a professional and uncomplicated manner that is easy (even for me) to understand and control. They have sorted out plans for my savings, pension, investments, insurances and peace of mind for myself and my family. Can't speak highly enough of the quality of the service that Strata have provided from our very first meeting - fantastic. They have always been friendly, helpful, efficient and trustworthy in all my dealings with them."

    NC, Business Owner, Chartered Building Surveyor, London

  • "We have worked with Strata for a few years following a recommendation from a friend. They have helped us a lot with both the return on our investments and our long term financial planning. The speed, quality of service and attention they provide is excellent. They always reply to any queries the same day, we have regular annual face to face meetings and they are available on the phone or email at any time. Their professionalism, friendliness and knowledge is first class. They are always personable, punctual and very responsive."

    DM, Senior Vice President, Global Food Company, Staffordshire

  • “If all you’re looking for in an IFA is someone to invest funds on your behalf, then there are many such service providers out there who can undoubtedly help. However, if you prefer a company that works closely with you to really understand your lifestyle choices and to help you realise your plans, ambitions and life goals, then choose Strata above all others. Strata goes much further beyond financial planning to really understand our long term goals and to help us achieve them. Their speed or response to questions, quality of service and attention provided are simply impeccable! They are a very professional organisation. We feel totally at ease and safe in the knowledge they are looking after our needs every hour of the day.”

    MM, Retired Business Owner, Worcestershire

  • “We have been with Strata since 2001. We are always amazed to see the speed at which we get a response to any query that we have had and this has included weekends and holidays, confirming their dedication. We feel that over the years they've got to know us well and, besides providing help with financial planning, they're able to discuss lifestyle changes with us, based on their vast experience of dealing with a variety of different clients, in different professions and at various stages of their lives.”

    CL, Consultant Surgeon, Lancashire

Ready to take the next step or just have a question?

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