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About Us

Phil & Debbie Slater

philDirectors Phil and Debbie Slater have over 50 years’ combined industry experience having worked in the financial sector since 1987.

Phil is the company’s M.D. and holds the IFS Diploma in Financial Planning (including Financial Services Regulations and Ethics and Advanced Financial Planning). Since his time as a mortgage and insurance Advisor with a leading High Street bank, Phil became a personal financial Advisor after completing the Certificate for Financial Advisors in 1996 before starting his own IFA company in 2001. He also holds the Certificate in Mortgage Advice and Practice (CEMAP), and is a member of Institute of Financial Services (IFS).

Over 6000 face-to-face financial advice meetings over the last 20 years have given him a wealth of experience in dealing with the financial affairs of all sorts of people from members of the royal family, Sports and TV personalities, politicians and lottery winners to 18 year old school leavers, young families and retired couples.

Matt Bagguley: Independent Financial Adviser

Matt joined the Slater Financial team in October 2016 after having previously worked for an advisory firm in the North West for nearly 10 years beforehand. He brings with him a wealth of up to date knowledge across many areas of the financial planning world, and has previously completed the Regulated Diploma in Financial Planning (DipFA). After initially joining the team in a Paraplanning role, Matt has become directly authorised as an Independent Financial Advisor enabling him to advise clients with their financial needs and objectives. In his spare time Matt enjoys long country walks with his dog and travelling when time permits. He is also keen follower of Manchester United, having recently played alongside some of the legends!

 

Holly Dawson: Mortgage & Protection Adviser

Holly joined Slater Financial Ltd in March 2017 as an administrator. She is currently studying to pass her Regulated Financial Planning Diploma in her spare time. Holly is a fully CeMAP qualified Mortgage and Protection Adviser. Prior to joining the team here at Slater Financial Limited, she worked in a high street bank for 13 years. The background knowledge that she gained via numerous roles within the banking industry, stands her in good stead to understand clients’ needs and source products to suit them. Holly states “I believe my clients’ needs come first and I genuinely want what is best for them. This means building trusting, and longstanding relationships with clients. This mutual trust means that hopefully, I can look after their mortgage and protection needs for right now and into the future”.

 

Our philosophy

We always provide clearly explained, impartial advice geared towards improving your financial affairs, whatever your needs. In an industry that averages around 100,000 complaints per year, we’re proud to have never had a single one – which reflects the way we conduct business with your satisfaction as our primary objective. As a result, many of our clients are referred by existing customers or other professionals such as accountants and solicitors, looking for a quality service for their own clients.

So at Slater Financial you can be sure of a personal, warm and friendly approach to this ever more complicated area of our lives, together with a real desire to improve on your existing financial plans and aspirations.

Our Services

Using the multi award-winning ‘True Potential’ for our IT and compliance systems, together with an independent firm of fully-qualified Para-planners for our ongoing product research, we offer completely impartial advice on:

Investments:

• Investment Bonds (New and Existing Bond Appraisals)
• OEICS & Unit Trusts (New/Existing Product Appraisals)
• Tax Efficient Savings Plans (NSAs, PEP Appraisals & Transfers)
• Guaranteed Bonds (Income, Growth, Return of Capital)
• Offshore Investments
• Trustee Investments (New and Existing Trusts reviewed)
• National Savings** and Bank** and Building Society Deposits** (best rates)

Retirement Plans and Pensions:

• Personal, Stakeholder, SIPPS – New and Existing Pension appraisals/Transfers
• **SSAS, **Final Salary, **Auto Enrolment/NEST, **Employee benefits/**Final Salary Schemes

Retirement Options including

• 2015 pension reforms, Flexi-Access Drawdown etc.
• Open Market Option Annuities
• Enhanced Annuities
• Capped and flexible Drawdown

Group Business

• Pensions
• Pension Transfers
• Life
• PHI
• PMI

Tax Planning

Inheritance Tax Mitigation:

• Effective use of Trusts and lifetime gifting
• Trustee Investments (New and Existing Trusts reviewed)
• Whole Of Life Insurance
• Gift Inter Vivo
• Power Of Attorney and Court Of Protection investing
• Utilisation of annual personal allowances (ISA’s/CGT/Pension)

Insurances:

Life & Critical Illness – (New or Value for Money review)

• Term Assurance/Mortgage Protecton – (New or Value for Money review)
• Family Income Benefit
• Whole Of Life Insurance
• Permanent Health Insurance
• Private Medical Insurance
• **Business Protection and Keyman Insurance
• PI Insurance

Mortgages & Remortgages

• New
• 2nd Homes
• Buy to Let
• Commercial

**Equity Release

** Advice can be available through our strategic partners (specialists in these areas).

 

*Important Information

Past performance figures refer to information in the past and this information should not be seen as an indication of future performance.

Tax treatment depends on the individual circumstances of the investor and may be subject to change in the future.

Levels, and bases of, and relief’s from taxation are subject to change and their value depends on the individual circumstances of the investor.

Depending on where you live and your own personal circumstances, your tax position may vary, so you should take local tax advice.  Please note that as every investor’s individual financial circumstances are likely to be different and that they are subject to change in the future we cannot give specific tax advice. We recommend investor’s seek professional advice on personal taxation matters.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice.  The precise amount of the fee will depend upon your circumstances but we estimate that it will be £300 on average.