Your Journey

Yorkshire Dales

A specialist service

For Business Owners, Dentists and Private Clients

Since 1996 Montgomery Charles has enjoyed unrivalled specialist
knowledge, working with Business Owners, Dentists and Private Clients.

The top four ways we help

Business Owners:

1. Bringing focus and strategy that helps guide your future

2. Helping to coordinate all of your professional advisers in delivering your aims and goals

3. Becoming more tax efficient in both your business and your private life

4. Maximising the value of your business should you wish to sell it

The top four ways we help

Dentists:

1. Maximising the value of your practice

2. Improving your profits by pricing review advice

3. Advising you on when you can afford to comfortably retire

4. Growing and preserving your wealth

The top four ways we help

Private Clients:

1. Wealth preservation

2. Sustainable rising income

3. Investment growth

4. Taking care of the next generation by projecting your wealth to look after; you, your family both now and in the future without any concerns or worries

I use Montgomery Charles and Mike Marigold really knows his stuff. He has a great insight into how dentists think and how the business of dentistry is conducted.

The people who work with him are pleasant and efficient and are good at nudging you to do the things you promised to do; e.g. signing papers and sending them back and not leaving them lingering in the in pile.

J M, Principal of a Practice in Essex

I have used Montgomery Charles for Financial Planning and have found them excellent. Mike Marigold is friendly and approachable and always talks good sense.

Although I have only been with Mike for about a year, I have found his whole team professional and efficient. I am moving to incorporate my practice and his advice has been superb. I also switched my pensions to a SIPP centre and have been very impressed with the handling of this.

I would not hesitate in recommending Mike and his team to other busy dentists.

A B, Specialist in Periodontics and Oral Surgery, Hampshire

Your client journey with us

Discovery meeting

At a location of your choice, 2 weeks after you first make contact with us

We help you identify your aims and goals and encourage you to dream a little. Gaining an understanding of your current financial situation and how you would like to live life in the future is the starting point to creating your effective plan. This is a no obligation 3 hour meeting with both you and your life partner should you have one. Provided we believe we can make a significant difference to your future, we will offer to create an all encompassing Financial Life Plan report. We will agree a fixed fee based on the work required for your plan. The amount of this fee will be known at the end of the Discovery meeting with the first half to be paid at the end of the Discovery meeting and the other half to be paid when we deliver the Financial Life Plan report at step 3 below.

Gathering information

2 to 6 weeks after you first make contact with us

We assist you with gathering every insurance policy or investment you hold, even contacting your providers direct to critique each plan. We then assess its relevance to your aims and goals and ensure that we truly understand your willingness and ability to tolerate risk through the use of psychometric profiling. We take this extremely seriously as we know we are dealing with your financial future.

Financial Life Plan meeting

At our office, 8 weeks after you first make contact with us

We present your Financial Life Plan report which is a complete diagnostic of your current financial situation and our recommendations for how we will help you reach your aims and goals in the future. It will include a life time cash flow profile that provides a visual illustration of your income and outgoings both now and in the future. It will highlight peaks and troughs that may need to be addressed. You will have a strategic plan for your future. We will then agree a fee to implement your plan.

Implementation meeting

At a location of your choice, 10 weeks after you first make contact with us

Having worked out and agreed the best strategy to achieve your aims and goals, we then help you implement your plan. This involves signing documents to get investments bought, sold or transferred, completing applications forms where required and liaising with your accountant or solicitor to co-ordinate a successful strategy.

Regular review

At a location of your choice, frequency to be agreed – online meetings are most popular

These meetings, scheduled at intervals convenient to you, will provide us with an opportunity to review any major changes in your personal or financial situation and determine if these changes necessitate adjustments to your investment plan. We will also review your overall progress towards your long term financial goals.

Speak to one of our advisers to discuss your needs or select an option below to find out how we can help.

Speak To An Adviser

Business Owners

As advisers to many successful business owners, our team has the wealth of experience you need to construct, and implement, a robust financial plan for your company.

Dental Professionals

Our financial advisers specialise in financial planning for dentists. If you are looking to set up, merge, or hand over your practice, then you are in capable hands.

Private Clients

Our advisers can help you reduce your tax liability, protect and grow your wealth, plan a meaningful inheritance, and secure a solid financial plan for the future.