At Varsity Finance we can offer truly independent stand alone or full holistic financial advice, giving every aspect of your financial situation thorough consideration. Generally holistic advice will over strategies to not only build wealth but also to manage income, protect your family, lifestyle and the assets, plan your income for now and in retirement, and determine how to pass your well onto the next generation, all in a tax efficient manner.

Should you only require the need for a specific area of financial guidance such as a new pension or investing for a nest egg then we can certainly plan a strategy for this too.

Cash Flow



Personal cash flow is at the forefront of every aspect of financial planning as its important to know what the income is against expenditure making sure it is in line with your expectations for now and future requirements.

This will or can include planning when or if to gift assets to your family as well as many other areas and how all these might have a knock-on effect to your own financial position.




As we are all fully aware life can take a wrong turn at some point along the way so we need to perform a gap analysis to make sure you are financially secure should the worse happen.

Insurance policies can be put in place to bridge the gaps that may occur in the event of death, accident or illness.




Wealth needs to be accumulated to generate future capital which in turn will provide an income which means structuring your investment portfolio that always has your end goal at the very heart of it.

We will assess your attitude to risk and the requirements needed to meet your objectives, add diversification as well as looking for ways to negate the effects of inflation.

What is the mix of investments to be held in your portfolio removing the emotion out of investing, whilst keeping them under review in order that any rebalancing of the portfolio should be required.



Financial Planning is understanding and servicing the needs of our clients and their families discussing your situation, is it still in line with your goal do we need to make any adjustments ?

Ongoing management allows us to do have the discussion and go over your portfolio to see if you are still going to achieve the target or that original plans have now altered.



Tax efficiency could result in reduction of tax liabilities and the freeing-up of cash flows for other purposes, whilst estate planning can ensure that your assets are distributed to your family or other beneficiaries.



Retirement is an essential part of financial planning as to make sure when it arrives there is enough funds available for you to appreciate the lifestyle you chose.

Please note, investment returns can vary, the capital and income generated cannot be guaranteed.


This notice cannot disclose all the risks associated with the products we make available to you. You should not invest in or deal in any financial product unless you understand its nature and the extent of your exposure to risk. You should also be satisfied that it is suitable for you in the light of your circumstances and financial position. Different investment products have varied levels of exposure to risks and to different combinations of risks.


Our disclaimers are not intended to be fully inclusive of all relevant risks; we would strongly encourage to you ensure that you have read all relevant literature, and that you are comfortable that you understand all of the associated risks relating to an investment, before you decide whether or not to purchase it. Should you be in any doubt as to the risks involved, or to the suitability of a particular investment, you should seek professional financial advice.


Past performance is not a guide to the future.
Prices can fall as well as rise meaning you may not get back the value of your original investment.
Investment returns may fluctuate and are not guaranteed.