Philip J Milton & Co Plc

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Founded in 1985, Philip J Milton & Company was incorporated in 1996 as a public limited company (Plc) with an authorised share capital of £1 Million.

We are delighted and proud to offer a fully independent financial and investment planning service and we advise upon all aspects of clients’ financial affairs. The Company continues to expand its operations and also offers an Accountancy and Taxation service along with a Will Writing, Trusts, Estates and Probate Department.

The Company is authorised and regulated by the Financial Services Authority (FSA) and is one of the largest and longest established Independent Financial Advisers in North Devon. We are regulated at one of the highest available categories, being one of a very few authorised to undertake discretionary investment management and to hold client money. Consequently, we are required to maintain sizeable and very strict financial resources at all times. The Company’s accounts are subject to thorough independent audit and full accounts are published and submitted to the FSA regularly. Also, the Financial Ombudsman Service and Financial Services’ Compensation Scheme apply to enhance investor protection against financial loss.

With well over two decades of experience, we also boast some of the highest financial services’ qualifications in the country. Staff are encouraged and sponsored to achieve qualifications beyond the industry standard to ensure that we continue to deliver an excellent service to clients.

Success can be attributed largely to the Company’s uncompromising commitment to clients, including ongoing assessment and management of investments, a thorough understanding of financial markets, prudent management and long-term financial stability.

We do not “sell products” - we provide a comprehensive and long-lasting service to individuals and their families. This is an important distinction and an approach that is rare in today’s fast moving landscape.

This has led to many clients recommending family and friends to seek our advice - the ultimate endorsement of the quality of our services.

Releasing the Capital in your Home

30 August 2010

Regular readers of the Money Column will note the importance of reviewing your existing financial arrangements on a regular, perhaps annual basis. This will ensure that your existing arrangements continue to be suitable for you and where this is no longer the case, alterations can be made, as necessary. However, some may consider that upon retirement, the need for ongoing reviews is less pertinent. This is not necessarily the case.

The level of income required in retirement is not guaranteed to remain the same for the rest of your life. For those who have opted for an annuity, unless an index-linked income has been selected, the purchasing power of your income may be reduced during periods of high inflation for example. Where other non-pension assets are relied upon for income (such as stockmarket investments or bank accounts), these should also be reviewed on a regular basis to ensure that they are capable of sustaining the level of income selected. Changes in circumstances such as the death of a spouse or the need for long-term care may also affect income requirements.

Whether you are many years from retirement, have already retired or you are somewhere in between, a regular review of your finances is essential. Please do contact the office to speak to one of our highly qualified advisers.