Independent Financial Advisers in Haywards Heath and West Sussex since 1998

Resonse to Covid 19

As the Covid-19 outbreak becomes more widespread, we wanted to provide a brief update on our readiness to continue an uninterrupted service during this period of uncertainty.

Foundation Financial Planning  is committed to the safety of employees , clients and the community.

 We are encouraging our employees to work from home where possible but you can still contact us by phone or email in the usual way.  We have technology in place where in some circumstances meetings can be held electronically and you will be able to contact us as normal, so you should see no disruption to service levels. 

 When telephoning you may get our answerphone please leave a message as these will be monitored regularly.

 We still have some staff coming into the office by choice. We have planned for the possibility our offices may be required to close altogether. This could impact our receipt of physical applications, cheques and documents.

 Foundation Financial Planning takes its responsibility to its clients very seriously.  For that reason, we would like to confirm our office will remain open as normal for the foreseeable future, should this change, we will ensure we are fully contactable. 


Covid 19 Market commentary

Only time will tell whether global containment efforts are successful and the global economy can avoid recession, but it is in the nature of pandemics eventually to recede. According to the World Health Organisation, the number of new incidences of COVID-19 has already peaked in China.  Should the rest of the world experience a similar pattern, we might expect the pandemic as a whole to dwindle significantly following a crest in the coming months.

The market response to the virus has been especially strong, perhaps exaggerated by the stretched nature of valuations, with huge falls in the price of riskier assets like equities and falls in bond yields to historically low levels. The temptation is to compare current market falls with 2008 but there are significant differences. The GFC had systemic causes. In simplistic terms, a significant expansion of credit over many years which required a restructuring of the economy. By contrast, COVID-19 has a substantial but largely short-run economic and financial impact, but its effects will eventually pass.


The financial world has created choice for investors. On behalf of our clients our object is to select the most appropriate investment from the myriad of choices available. Whilst doing so ensuring that the investment is suitable from a tax and attitude to risk perspective.  We offer comprehensive practical financial advice not just advice on investments. 

Changes announced in recent budget's now allow individuals access to their pension funds in ways that would have been hard to imagine a few a years ago.  But there may have been unintentional traps laid by the Chancellor (or maybe intentional traps) and these traps may lead to a higher tax burden arising than necessary, or the giving up of unidentified valuable benefits or rights.  Talk to us about different ways to navigate around these traps so you benefit from more of your hard earned capital.

Have you considered a Lifetime Individual Savings Account (LISA) for yourself or maybe for your children? We can help you assess the suitability of a LISA.  Now that some people are restricted on the amount they can put in to their pension arrangments, now might be the time to consider other tax priviliged investments ie Venture Capital Trusts (VCT's) Enterprise Investment Schemes.  For those who reducing Inheritance Tax is the priority talk to us about Business Relief (BR) investments formerly know as Business Property Relief (BPR) investments.

Making Money Easier...

Information featured on our website can help you get to grips with different financial products and options available.

To get the right answers to your personal circumstances though, it's usually best to seek advice. 

 Talking to a financial adviser can help you decide on:

  1. Which financial steps to take
  2. Do you need a financial product or a re-arrangment of your existing product or products
  3. The priority order to tackle your requirements

Take control of your financial future, contact us on 01444 410 276 or today.

Foundation Financial Planning holds its Professional Indemnity (PI) Insurance through Howden Windsor.

Foundation Financial Planning has never had a complaint.

Foundation Financial Planning provide sponsorship for local Rugby and Cricket clubs and facilitate work experience for local schools.

Office hours: 08:30-18:00 Monday to Wednesday

08:30- 18:00 Thursday,

09:00- 16:30 Friday

Saturday by appointment. 

Ample private parking

Financial Ombudsman | Free, fair, for everyone The Financial Ombudsman Service was set up by Parliament to resolve individual complaints between financial businesses and their customers. They can look into problems involving most types of money matters - from payday loans to pensions, pet insurance to PPI. If they decide someone's been treated unfairly, they have legal powers to put things right. Bear in mind the Financial Conduct Authority (FCA) are also there to help financial consumers and they should be contacted before the Ombudsman.   In the very first instance you should contact Foundation Financial Planning if you are unhappy with our treatment of you and we will do all we can to address your concerns.  The link for the Financial Ombudsman Service is below. 


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The Budget...

Budget 2018 short

How we can help...

Information featured on our website can help you get to grips with different financial products and options available.

To get the right answers to your personal circumstances though, it’s usually best to seek advice.

We are independent financial advisers (IFA's), very many financial advisers are not independent and this is mostly because it suits them not their clients.   Advisers who are not independent cannot attend to the needs of individuals in the way an independent financial adviser can.

 Asssessing Carbon Risks and the tools to measure these risks