. We provide impartial and trustworthy financial advice to a wide range of clients across the East Midlands region.
Based in our Nottingham office, our highly-qualified team pride themselves in providing reliable financial advice on areas such as Retirement Planning, Business Protection, Inheritance Tax Planning, and individual and group Pension schemes.
In the minefield of savings products, pension and investment schemes it is hard to know who to trust for fair and impartial advice. Alistair Fraser has gained our respect and trust, provided us with excellent advice and service, as well as taking a weight off our minds - as we know we have now made some important decisions and plans for our future financial needs.
“I moved from a larger firm to Cockburn Lucas; a smaller and more personal firm. I welcome my annual meetings with Alistair Fraser and feel able to phone him for advice whenever I feel the need to do so. After over a year I feel very positive about both the ethical stance of Cockburn Lucas and their financial results.”
“In December 2013 I had a financial crisis which was made easy to bear thanks to the professional help and advice from the team at Cockburn Lucas. As for my investments, I would not expect anything less than the good service and advice I receive.”
“Cockburn Lucas have acted on my behalf since 1997. Prior to that Mike Horseman acted for me from 1992. At that time he gave me help and advice dealing with a redundancy package resulting in considerable tax saving and sound investment advice. In the time since, he has continued to give good advice which I rely upon. It gives me less to worry about. I recommend Cockburn Lucas for the professional and courteous manner in which they deal with their clients.”
“Sarasin & Partners have a strong relationship with Cockburn Lucas. As a top-end focussed investment manager we deal selectively in the UK intermediary market and have been impressed by the professionalism and ongoing due diligence effort put in by Cockburn Lucas. We recognise the firm as an important player in the professional investment community of the East Midlands.”
“I had no idea until taking independent advice from Cockburn Lucas that my retirement options covered so many areas, and am really grateful for the professional and clear way in which these options have been explained. As you can imagine, the decision on how to take my pension was something I couldn’t afford to get wrong or take chances with, so I am grateful for all the help and expertise they have provided in dealing with my need for advice.”
Tom reached his 65th Birthday in May 2011. This coincided with the decision of his employer to close the business and retire as well. Tom required a complete review of his Retirement options and his existing Pension Plan, as well as his personal savings, from which he now required an income to meet his needs and objectives over the coming years.
We quickly established that Tom was a ‘defensive’ investor. We then established the levels of retirement income he would need from all sources, including his state pension and private savings. After completing a comprehensive retirement planning meeting and questionnaire, we determined which options were available to him from his existing pension plans, and agreed to provide him with a full review of those options.
After meeting with Tom, we conducted a full review of all options and also used our independent access to Annuity Market Rates and established that we could improve the pension quote from his existing provider by over £800 per annum - or a whopping £16,000 based on life expectancy. We also immediately switched Tom’s funds out of the Market and into cash whilst we decided what option to take: which proved very timely in the wake of the tragic Japanese earthquake and Greek sovereign debt bailout, as markets became extremely volatile. Finally, we identified all options for Tom, and agreed to send him our written report.
I had no idea until taking independent advice from Cockburn Lucas that my retirement options covered so many areas, and am really grateful for the professional and clear way in which these options have been explained. As you can imagine, the decision on how to take my pension was something I couldn’t afford to get wrong or take chances with, so I am grateful for all the help and expertise they have provided in dealing with my need for advice.