Independent Financial Advice

RETIREMENT
PLANNING
For Your Financial Future
WEALTH
GENERATION
For You and Your Family
INSURANCE PROTECTION For Health, Wealth and Income

Our aim is to provide our clients with the best advice, planning and services on pensions, investments and protection, helping pave the way to a more secure financial future.

Pensions Investments Protection

We advise clients in finding a mortgage that best suits their needs; whether a first –time buyer, someone looking to move or re-mortgage, or a buy-to-let investor.

Mortgage Solutions

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We provide expert financial advice, planning & services for Medical Professionals, including locum insurance, practice insurance, NHS & private pension planning.

Medical Solutions

Individually Tailored Financial + Investment Advice

Based in Cross Hills between Skipton and Keighley, we offer Independent Financial Advice across West Yorkshire, North Yorkshire and East Lancashire. Clients choose Approachable Finance because of our flexible, ‘no obligation’ approach that offers independent, honest advice for improving wealth and investment plans based on gaining a thorough understanding of a client’s financial position.

We work flexible working hours, providing a ‘free of charge’ at home or office service. We understand that our clients are extremely busy and we are available to visit customers or set up meetings at our offices on evenings or at weekends.

Considering Financial Advice?

  • Would you like to retire early?
  • Would you like to save for the future?
  • Would you like to increase your income?
  • Would you like make more of your pension?

IF the answer to any of those questions is YES, then we can help. Contact us for a NO OBLIGATION initial financial consultation.

How We Work

Gaining a thorough understanding of your financial circumstances is essential to offing the best advice. In the first instance, our financial advisor will visit you for a free financial health-check to determine your current financial position. We use a five-step financial planning process:

  • Phase 1: Initial Meeting
  • Phase 2: Financial Analysis
  • Phase 3: Strategy Presentation
  • Phase 4: Implementation
  • Phase 5: Review

How We Are Paid

  • The first meeting is ALWAYS on a ‘free’ and no obligation basis.
  • We always try to work to the best interests of our client not ourselves.
  • All charges are visible and if clients are paying a fee we will offer ‘quotes’ of how much the work will be upfront.

Global Markets

Recent Blog Posts

Please see below some useful information on the COVID-19 and financial planning. Furloughed Employees Owner Managers/Director Clients and the Job Retention Scheme FCA Guidance on Pensions Advice: Covid-19 Gifting wealth Funding ISAs Please find below a summary of the latest thinking on pension contributions and revised patterns of income. Many of your clients and/or their family members/friends will be impacted by the recent government announcements and their pension provision is an important ...

Mortgages If you are struggling to pay your mortgage as a result of your finances being impacted by coronavirus, you can apply for a three-month payment holiday. Interest accrued during the period will be added to the outstanding balance of your loan and can be repaid over the rest of the mortgage term. To apply for the payment holiday, you need to contact your lender, either by telephone or online. You do not need to prove that you are in financial difficulties. If you bought your property...

Hi Everyone Here is the link to the government website for help to small business. https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19/covid-19-support-for-businesses Few points to mention There should be a major announcement in the next 48 hrs for help with self-employed income. In regards to staff, normal contracts apply so if you are considering making people redundant check staff contracts e.g do they need to be paid for a full month/ redundancy pa...

Martin Lewis of Money Saving Expert fame has described 2020 as a ‘savings horribillis’ and it is hard to argue! A major high street bank has cut its main savings rate by 0.5% with cash savings rates at record lows. Most people’s average savings earnings are now around 0.4%! Often people are unwilling to invest cash savings yet are happy to invest in pension. This is despite many of the underlying assets and risks can be similar. There seems to be an acceptance that pension ‘has’ to be ...

It’s not worth having a workplace pension Not true! Most people receive more back than they contributed. They also receive contributions from their employers and in most cases tax relief. My property is my pension Not everyone wants to sell their home when they retire to live somewhere smaller. Bills still need to be paid. I’m too old to start a pension If it’s a workplace pension, you’ll miss out on “free money” in the form of a contribution from your employer. Secondly, savi...