Geoff Catterall

Contributor: Geoff Catterall
www.stonewaterwm.com
Stonewater Wealth Management Ltd is a privately owned company based in Tarleton, Lancashire.


We aim to provide a service which is friendly, approachable and professional making use of today's technology.

A fundamental principle of our practice is a "team" based approach. We believe that no one person is able to be an expert in all aspects of our profession and each of our advisers has his or her own specialism. Where we do not have the in-house expertise we need, we liaise and work with other professionals in their chosen fields.


We embrace the ideals of service, quality and efficiency with over 80 years of collective experience. We offer fee based and commission based advice, as well as a fee based Client Care Programme.

Stonewater Wealth Management is relatively unique in the sense that we offer a defined investment philosophy and investment approach. We believe that the preservation of wealth is not just about one month, six months or even one year’s investment returns, or indeed next year’s in isolation – it is about consistently delivering above average returns over the medium to long-term.

We offer advice in a wide range of areas, including Pensions, Investments, Inheritance Tax Planning, Life/Critical Illness Insurance and Mortgages. We are also pleased to offer impartial advice on those policies not currently serviced by us.

Face-to-face meetings can be held in your home, in our offices or at a venue to suit you. The cost of the first meeting is always borne by us and our charging structure will be made clear to you prior to moving ahead.


Tip1 If you don’t have a strong, ongoing, relationship with a financial adviser and you have not reviewed your investments or pensions for some time get a second opinion from an alternative Independent Adviser Firm.
Tip2 Agree an ongoing servicing and advice strategy with your financial adviser to ensure your savings and investments remain competitive.
Tip3 Identify your long term financial goals and make definitive plans to meet those objectives. Remember the old phrase ‘If you fail to plan you plan to fail.’
Tip4 Review your current Income Tax, Capital Gains Tax and Inheritance Tax position to ensure that you are taking advantage of all your tax allowances where appropriate.
Tip5 Protect your family or your business’s financial future by reviewing your Income Protection Insurance, Life Insurance and Critical Illness Insurance cover.
Tip6 Establish a realistic and meaningful Retirement Plan to ensure you have adequate income in retirement. Review existing pension policies and pension schemes at least once a year to ensure they meet your objectives.
Tip7 Review your personal monthly expenditure regularly to make cost savings where possible. For example, reviewing your life cover policies every few years could reduce the premiums and save you money. You could even look at re-financing existing loans to obtain a cheaper rate.
Tip8 Regularly review the interest rates on your savings and deposit accounts with your bank and building society. You’ll be surprised how little interest you may be getting.
Tip9 Don’t automatically renew your household or motor insurance policy without getting an independent price comparison first.
Tip10 Review your investments if they are producing an income. Interest rates and investment returns are at all time lows and more appropriate plans may be available from the wider market place that best meet your needs.
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