HELPING YOU CARE FOR WHAT MATTERS MOST

Nurture Financial was born out of the desire to provide exceptional financial advice. Our ethos is to develop positive and productive long term working relationships based on delivering what we say we will.

We aim to be the financial adviser of choice for local professionals, business owners and people who know they have a financial need or objective and want to do something about it. People just like you.

 

ABOUT NURTURE FINANCIAL

The idea to create and launch Nurture Financial came from it's Director and Financial Adviser, Simon McCullough DipPFS;

"As a fully qualified professional Financial Adviser, I have worked in Banking and Financial Services since 1995.  I began in an employed role in one of the larger local banks, eventually progressing to a self-employed position.  I have been able to help a large number of people, through the financial advice they have taken, look after the things that mean the most to them, whether that's their family, their home, their business, their savings or their retirement plans. 


I wanted to bring together all of the best practices and positive client experiences from the last two decades and turn them into Nurture Financial."

The vision for Nurture Financial is to provide you with high quality, honest and jargon-free financial advice.  Nurture Financial will help you get the best advice, specifically tailored to suit your circumstances. As simple as that.

As a part of Openwork, Nurture Financial belongs to one of the largest networks of financial advice businesses in the UK, with around 3,000 Financial Advisers.

Openwork have been in the UK’s financial advice market for over 40 years, providing compliance guidance, investment expertise, technical knowledge and many other areas of support to it's Financial Advisers.  Openwork also provides peace of mind for clients, who know that a long-standing, well-respected parent company stands behind any advice they receive from Nurture Financial.

 

HOW NURTURE FINANCIAL CAN HELP YOU

Mortgages

A roof over your head

When you find the right house, we'll help you find the right mortgage. We are not tied or limited to one Bank or Building Society, which means we have access to a wide range of lenders and mortgages. We can help you choose the mortgage that is right for you.

Get in touch if you are:

  • A first time buyer

  • Moving home

  • Remortgaging

  • Buying to let

  • Building your own home

Your home/property may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

Protection planning

Protecting the things you cherish

None of us like to think about death, serious illness, accidents or loss of income, but we know from experience that anything can and does happen in life. For that reason, we like to make sure you are prepared. We can help you decide on the right type of insurance to protect everyone and everything that matters to you most, including your family, your home, your income and, of course, you.

We help clients with:

  • Life insurance

  • Serious/Critical Illness cover

  • Income protection

  • Whole of Life cover

  • Accident protection

  • Home insurance and Landlords insurance (Buildings and/or Contents)

Saving and investing

From little acorns...

In today’s world there are a wide range of savings and investment plans. It pays to choose the right one, striking a balance between potential return, risk and reward, accessibility and maximising tax efficiency.

Nurture Financial offers individually tailored advice on your savings and investments, based on a detailed assessment of your current circumstances along with your future objectives.  We will then make a recommendation which is suited to your needs, with ongoing regular reviews to ensure that your plans continue to meet your requirements and expectations.

Savings & Investments areas of expertise include:

  • Tax efficient investing using ISAs, Unit Trusts, Onshore and Offshore Investment Bonds

  • Venture Capital Trusts, Enterprise Investment Schemes and Business Property Relief qualifying Investments for Inheritance Tax, Income Tax and Capital Gains Tax planning purposes

  • Access to Openwork's Graphene Model Portfolios and the OMNIS Managed Portfolio Service, including a range of funds from some of the most respected Fund Managers in the global investment market

HM Revenue & Customs practices and the law relating to taxation are complex and subject to individual changes and circumstances which cannot be foreseen.

The value of your investments and any income from them may fall as well as rise and is not guaranteed.  You may get back less than you invested.

Pensions & Retirement Planning

Plan tomorrow, today!

When it comes to providing for our retirement, too many of us are doing too little, too late.

Putting away even a small sum in the early years can make a big difference to the lifestyle you will enjoy when you retire. The golden rule for most people is not to rely on the State pension alone. Modern pensions enjoy some significant tax benefits. You can even contribute to a pension if you are not working.

Pension legislation is continually being reviewed by the government and we are here to ensure that you have the necessary understanding of how current legislation affects you and your plans.  This applies whether you are employed or self-employed.

Nurture Financial will also bring clarity to clients who have contributed to pension plans elsewhere, have reached their intended retirement age but are unsure of the options available to them.


We will help you with:

  • Stakeholder Pensions

  • Individual Pensions

  • Group Pensions

  • Self Invested Personal Pensions (SIPPs)

  • Pension Drawdown and Annuity options


HM Revenue & Customs practices and the law relating to taxation are complex and subject to individual changes and circumstances which cannot be foreseen.

Financial planning for business owners and company directors

Price is what you pay, value is what you get

Excellent financial planning doesn't only benefit homeowners and families.  If you run your own business, a meeting with a financial adviser can put you and your business in a much stronger position.  Our business clients have benefited from:

  • Protection planning for business debts

  • Protection against the loss of key personnel

  • Provision of staff benefits

  • Tax efficient profit extraction

  • Maintaining Business Relief after the sale of a business

  • Help with Auto-Enrolment

HM Revenue & Customs practices and the law relating to taxation are complex and subject to individual changes and circumstances which cannot be foreseen.

Get in touch, we would love to have a chat.

 

REFERRING FAMILY, FRIENDS AND COLLEAGUES

Our reputation is built on referrals from existing clients.  There is no better recommendation than from someone who has already used our expertise and appreciates the benefit of it.  We therefore offer clients an incentive to recommend Nurture Financial, with a £30 M&S Gift Voucher as a thank you for doing so.

RULES FOR PROMOTION

Complete the contact form below or contact us by email or telephone.  Please also make your referral fully aware that you have done so.

Once we have met your referral to discuss any of the following areas: Mortgages, Life &/or Critical Illness, Income Protection or Business Protection planning, Investments or Pensions, we promise to pay the referrer an M&S gift voucher to the value of £30.00.

There is no minimum or maximum criteria regarding the amount of business completed in order for vouchers to be awarded.  The vouchers are a way for Nurture Financial to thank you for your referrals.  The vouchers are not for promotion purposes.  The vouchers will be posted out once the client has been referred, this normally can take anywhere between 1-3 months and we will be in contact to confirm issue and receipt.

 

CONTACTING NURTURE FINANCIAL

If you have any questions about how Nurture Financial can help you, or you want to arrange a meeting, get in touch today.

 

NURTURE FINANCIAL

Scottish Provident Building, Donegall Square West, Belfast BT1 6JH

02890 912877

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The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Nurture Financial is a trading name of Milecross Financial Solutions Ltd. Registered address: Milecross House, 42 Milecross Road, Newtownards Co. Down, BT23 4SR. Company Number: NI 601587. Milecross Financial Solutions Ltd is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

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