With over 25 years experience in Financial Services I can offer quality ethical Independent Financial Advice with regards Pension, Retirement and Estate Planning.
I am married with two children and a grandson who keeps us busy. In my spare time I play saxophone semi professionally providing music at weddings parties and corporate events.
Please feel free to contact me on 07817263989 for a fee initial consultation
Kevin
I started working at Sheldon Flanders as a business administration apprentice and have progressed onto being a Senior Administrator. I have now been working at Sheldon Flanders for over 6 years. I am super excited to be welcoming my first child into the world and will be commencing maternity leave from the 12th of August.
Hello everyone and welcome to the new website! Take a look around and let us know what you think! Have a browse through our services and contact us if you have any enquiries or need any help!
By September 2017 even the smallest companies will be under legal obligation to provide a workplace pension for their staff. This means employees will be automatically enrolled without having to do a thing, but that’s not the case for you.
We can help make setting up a scheme simple for you, the employer, ensuring the process is correctly documented to your members of staff and to the pension regulator, something you can’t afford to get wrong.
Not being able to work because of a long term illness can put unnecessary strain on anybody with financial commitments and what’s worse, some policies won’t always have you covered.
At Sheldon Flanders we can help you select a permanent health insurance plan that will replace your income indefinitely.
We will research every policy available from all providers, clarifying the cover provided and any exclusions there might be, ensuring you are financially covered until you’re able to return to work.
There are many options for long term care, whether residential or at home but the average costs are rising and any government assistance is means tested and not always enough to help foot the bill.
Our priority is making sure your long term care costs or the care costs for a loved one are adequately covered without having to raise the funds from elsewhere. It’s about finding a solution that suits you best, whether that’s long term care insurance, enhanced annuities or equity release plans.
Whatever we recommend, we will always be honest and clear, making things as easy and simple for you as possible.
Inheritance tax means the HMRC can take a considerable portion of your estate before it goes to your family, friends and chosen beneficiaries – 40% if the value is more than £325,000 – and with the rise in property prices, the likelihood of exceeding this threshold is greater.
At Sheldon Flanders we can advise on the best ways to legally minimise your tax liability.
Depending on your situation, we may recommend investments or trusts, lifetime savers or life assurance plans, carefully structuring your financial affairs enabling you to benefit from all the exemptions and reliefs to which you’re entitled. But whatever we recommend, we will always clearly explain the benefits and outcomes of the options available to you.
If you are the main breadwinner or are a main contributor to the family’s piggybank, then taking out a policy will give you the peace of mind that loans are paid off and long term finances are taken care of if you’re not around to pay for them.
This money can be used to pay off large debts, mortgage expenses, education fees and childcare. It can also help lighten the financial load of day-to-day living, chipping away at food costs, utility bills and clothing.
At Sheldon Flanders we evaluate every policy across a broad range of providers, bringing you the most suitable cover for you and your loved ones.
A common addition to life insurance, critical illness insurance covers you financially should you be unable to work, providing a lump sum on diagnosis to enable you to concentrate on your recuperation without having to worry about meeting outgoings or paying off debts.
We will research the marketplace to find the most suitable plan, meeting the desired level of cover over the term required.
Whether you have current investments that need reviewing or are thinking about investing, we can give you expert insight into the best of what the market has to offer.
It’s our aim to bring you the most viable options available. We’ll examine what’s achievable in relation to your financial goals for the future, all associated risks and help you come to an effective and comfortable decision.
When a key member of staff dies or is diagnosed with a critical illness, it can leave a company without essential skills and expertise, not to mention understaffed and struggling to manage until a suitable replacement can be found. In short, losing somebody integral is an overbearing detriment, one that often leads to financial problems in the long term.
Key person protection insures a business against such a loss, providing funds to help secure lost profits and implement new staff and procedures necessary to carry on as normal.
At Sheldon Flanders we help you select a cover plan – against death and/or critical illness – that best matches that person’s job role, skill-set and financial contribution to the business. After all, we understand the importance of a job well done.
