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Providing peace of mind

Financial Planning and Advice

Financial Planning is about making the most of what you have, and helping you to create a comfortable future for you and your family. Good financial advice will provide you with the information you need to move in the direction you want, and enable you to achieve your financial objectives. That’s why seeing a professional financial planner can make a huge difference to your financial future…

 

Pensions and Retirement

We are all living longer lives, and can look forward to a long and happy retirement. It is vital to ensure that you have sufficient income to enable you to enjoy your golden years. The reality is however, that the majority of us will need to save a significant amount just to maintain our existing standard of living in retirement.

 

Investments

Generally savings accounts are short to medium term accounts, where you save regular amounts to build a lump sum to enable you to achieve a goal such as a holiday or a new car. If you have excess funds on a monthly basis it is advisable to establish a regular savings account.

 

Life Insurance

You can’t predict what’s going to happen from one day to the next, but you can prepare for it. And while no one likes to think about premature death or terminal illness, it pays to be prepared for the future. Wouldn’t it be comforting to know that, should the worst happen, those closest to you would be able to cope financially?

 

Welcome to MDL Financial Consultants

MDL Financial Consultants was established in 2004, as specialised providers of bespoke financial solutions for individuals, business owners and companies. We are experienced professionals and qualified financial advisors. Our main activities are in the provision of financial advice, and where appropriate, arranging transactions in the areas of pensions, savings and investments and protection products. As financial advisers we strive to provide peace of mind to our clients. We are an outcome focused company, and we seek to develop long-term relationships with our clients, while educating them and empowering them to achieve their financial objectives.

Financial Planning

Financial Planning is about making the most of what you have,helping you to create a comfortable future for you and your family, enabling you to achieve your financial objectives.

Pensions and Retirement

We are all living longer lives, and can look forward to a long and happy retirement. It is vital to ensure that you have sufficient income to enable you to enjoy your golden years.

Investments

Generally savings accounts are short to medium term accounts, where you save regular amounts to build a lump sum to enable you to achieve a goal such as a holiday or a new car.

Life Insurance

You can’t predict what’s going to happen from one day to the next, but you can prepare for it. It pays to be prepared for the future.

A Tailored Investment Approach

We at MDL understand that there is no “one-size-fits-all” investment or formula to secure your financial future. That’s why we provide a diverse range of portfolios to help you meet your investment goals. Whether that means investing in a combination of actively managed and passive funds or bespoke funds, the strategies we offer are designed to be part of a plan that supports your financial well-being and meets your financial objectives.
In conjunction with our investment consulting partner iCubed, we deliver investment choices to help create a sound plan that built around you. We have constructed Model Portfolios for the long term, managed with a keen eye on risk. Our portfolios are built for long term growth, and will be matched to your investor profile and carefully monitored for risk. You and your needs always remain at the heart of the strategy.
Warning: Past performance is not a reliable guide to future performance.

Model Portfolios – Expected Returns

  • Cautious – 2.5% 20% 20%
  • Conservative Plus – 3.6% 35% 35%
  • Moderate – 4.1% 60% 60%
  • Balanced Plus – 5.2% 80% 80%
  • Growth Plus – 6.3% 100% 100%

How can we help?

Grow & Protect your Wealth

As part of our financial planning process we will identify appropriate solutions to help you grow and protect your wealth in a tax efficient manner. Read More >

Protect yourself and your loved ones

We can advise you on the most suitable life cover, serious illness and income protection products available on the market. Read More>

Retire in Comfort

Valuable tax relief is available to help you build a pension pot for your retirement. Talk to us about putting a plan in place for you that will maximise your tax relief. Read More >

Everybody Needs Financial Advice.

With so many financial products available it can be difficult to compare all the options and make the right decision for you. If you are confused by what is on offer, it’s best to get financial advice. A qualified and experienced financial adviser can:

  • Help you understand your needs, plan ahead and become more financially secure
  • Save you money and time by shopping around on your behalf
  • Help you understand the risks involved in certain financial products
  • Recommend the most suitable products for your needs
When should I start my pension?
The earlier you start saving for retirement the better. This will give you more time to make contributions and more time for your fund to grow in value. Of course you have to balance this with other financial needs, such as buying a home, providing for your children’s future etc. Remember, you can get income tax relief on your contributions, so the net cost to you will be lower. Read More >
How does investing work?
Many people with lump sums choose to invest their money. That means injecting the capital received through earnings, inheritance or a redundancy package into stocks, bonds, funds or property. Investment bonds are essentially life insurance policies where you invest a lump sum into a choice of available funds. These funds will carry varying degrees of risk and potential for growth on the original investment. When you cash investment bonds in, the return you receive will depend on how the investment has performed over time. Read More >
How much life cover do I need?
Use our handy calculator will help you to figure out how much cover you or your dependents will need should you die or become seriously ill. Read More >

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