How Moor IFA work with Private Clients & Trustees

What is Independent Financial Advice and why does it matter?

What We Offer

At Moor Independent Financial Advisers, from our high street offices in Okehampton, Devon, we provide practical, independent financial advice to individuals, families, business owners and trustees across West Devon and the surrounding area.

Many of the people we help are approaching retirement with several pension schemes built up over their working lives. We assist clients in reviewing and combining existing pension arrangements, helping them understand how their pensions fit together and how they may provide a sustainable income in retirement. Many of our clients come to us with pension savings and investments built up over many years, often involving several pension schemes and lump sums that need to be organised into a clear and sustainable retirement plan.

• Pensions – advice on multiple pensions, pension consolidation and retirement planning, including understanding your options as you approach retirement or begin drawing an income
• Investments – managing established savings and pension lump sums in a tax-efficient way aligned with your long-term financial objectives. We hold Chartered Fellow status with the Chartered Institute for Securities & Investment, reflecting a high level of professional qualification and experience in investment planning
• Life cover and income protection – helping protect the people who depend on you should the unexpected happen
• Inheritance and estate planning – helping families plan the transfer of wealth in a structured and tax-efficient manner
• Trusts and tax planning – solutions often used by families, landowners and business owners looking to organise their affairs effectively

We offer a free initial meeting where we take time to understand your circumstances and explain how we may be able to help. You will never be charged without a signed agreement in place beforehand and we operate a clear and transparent fee structure.

Local Advice You Can Rely On

We are an established, trusted financial planning practice, based in Okehampton within high street offices. Many of our clients have simply walked through the door, which is always open during working hours. As Chartered Financial Planners and Wealth Managers, we are proud to be serving a range of different clients across Devon and beyond. Many of our clients have never worked with an independent financial adviser before — and we take time to explain things clearly and at your pace.

Being Chartered, rather than simply qualified to the basic Diploma level, means that we hold one of the highest levels of professional recognition in the industry. Our advice is always based on what is right for you, with your goals and values at the heart of every recommendation.

Frequently Asked Questions (FAQs)

• What does 'independent' mean when it comes to financial advice? It means we are not tied to any company or product. We can search the whole market and choose the right options for you, without bias.
• How is this different from other advisers? Some advisers can only offer products and/or investment solutions from one company or from a short list. That is called restricted advice. We are independent — which may offer greater choice and better value.
• Should I combine my pensions into one plan? Many people approach retirement with several pension schemes built up from different employers over their working lives. In some circumstances, combining pensions into one arrangement can make them easier to manage and may reduce costs. However, older pensions can sometimes contain valuable guarantees or benefits which should not be given up without careful consideration. We help clients review their existing pension arrangements and explain whether pension consolidation may or may not be appropriate for their circumstances.
• I have received a pension lump sum or inheritance. How should I invest it? Many clients come to us after receiving a pension tax-free lump sum, inheritance or proceeds from the sale of a property or business. Investing a significant sum requires careful planning, including tax efficiency, investment risk and long-term objectives. As Chartered CISI investment professionals, we help clients structure lump sum investments thoughtfully, building diversified portfolios designed to support income, growth and long-term financial security.
• Do you charge for the first meeting? No. Your first consultation and the research we carry out are completely free. If you decide to go ahead, we will explain all costs clearly before you make any commitment.
• Do you only work with people in Okehampton? No. We support clients throughout Devon, predominately working within a fifty-mile radius of Okehampton; however, we also serve clients across the South-West and further afield. Many of our clients live in rural areas and we are happy to meet face-to-face or by phone or video call.