Check out some of the Services we offer
At OKDFS we take a pragmatic and strategic approach to retirement planning for our clients. We take time to understand client’s personal goals, aspirations and plans. We take the time to review your existing pension plans and come up with a bespoke solution for you; developing a robust plan, taking into account your complete financial situation now and in the future.
Pension legislation is ever changing: at OKDFS we keep up to date with these changes and you can be confident that we will advise you on how any changes affect you personally. There are now more ways than ever to generate income from pension assets when you retire. From buying an annuity to taking a lump sum or making regular withdrawals while continuing to invest.
Our team can help guide you through the labyrinth of legislation and regulation, in addition to helping with tax efficiency and maximising the impact of your pension fund.
We ensure the arrangements are appropriate to you and your employees and that the employees appreciate the value of these. A key part of our proposition is the ongoing service that we then provide taking a hands on approach to help ensure your schemes run smoothly. Employee benefit packages may include pension (this may or may not be on salary exchange/ salary sacrifice), life assurance, income protection, critical illness, private medical insurance, dental cover, cash plans. It may be that you have all of this or just one of these benefits.
As an employer you may also require key person insurance, this could be for a key employee not just a director.
The directors may then require shareholder protection (this differs from key person assurance). Directors may also wish their own personalised employee benefits and retirement planning, perhaps even pension scheme property purchase, all being areas that we advise on.
OKDFS are independent stockbrokers and financial advisers which means that we are not tied to any financial service providers. We are able to access the full spectrum of products and services that will help clients reach their financial goals. We take a long-term view on investments and therefore, we believe in spending time in the market, not timing the market. We recommend a diversified and balanced mix of investments that have the potential to perform well over the long term, while managing risk.
For some people the thought of investing a significant sum can be an unnerving task. We take time to explain the investment process in detail with clients; helping to provide clarity and reassurance prior to investment decisions being made.
At OKDFS we appreciate that every client is different in their situation and circumstances. Clients trust us to work closely with them to reach their long-term financial goals and to maximise tax-efficiency. Our investment management process is one that is proactive, monitored and reviewed to ensure your portfolio is managed as market conditions or your circumstances change.